Mr. Sinoway joined the Office of Investment Management in 2021. Prior to joining the Penn State team, Michael spent 9 years as a senior member of the manager research team at Glenmede Trust, responsible for research and due diligence of external investments. Earlier experience includes a role as a hedge fund allocator and as an equity derivatives trader. Michael earned his BA in Economics from the University of Pennsylvania and his MBA in Finance from the University of Chicago Botth School of Business.

Beth F. Cutler is Founder and President of Merritt Point Wealth Advisors and has forty years of experience working with executives and affluent families. Beth’s firm has over $1.4 billion under management as of June 27, 2023. In 2023, Forbes awarded Beth “2023 Forbes Top Women Wealth Advisors Best-in- State*”.  Beth helps clients and their families plan their financial goals while taking into consideration their income needs, tax-efficient investing strategies, and wealth transfer objectives. Beth works very closely with clients’ tax advisors and estate attorneys in order to provide comprehensive planning strategies. In many instances, Beth advises three generations of a family. She believes a strong moral compass and commitment to integrity have earned her many referrals. Beth strives to continue building an excellent reputation for helping clients achieve their long-term financial goals while developing client relationships for life.

Beth oversees Merritt Point’s Transitional Planning Services—helping clients plan for retirement, job change, or finances related to divorce or death in the family. She has developed an in-depth planning process so that she and our practice’s professionals can reach a detailed understanding of our client’s personal and financial lives before putting a holistic plan into action. This process includes an analysis of income, liability management, insurance, annuities, and stock options. Beth and her team further delve into the titling of assets, beneficiaries, and wealth transfer plans.

Part of Beth’s core mission is empowering women with financial information. She often hosts lectures for women on investment planning and financial independence.  Prior to founding Merritt Point Wealth Advisors, Beth co-founded Cutler and Andrews Financial Group of UBS in 2003 to provide investment advisory services. In 2008, Cutler and Andrews Financial Group moved to Wells Fargo Advisors Financial Network as Cutler Andrews Capital Management before rebranding to Merritt Point Wealth Advisors in the fall of 2020. Beth’s extensive forty year experience includes Senior Vice President-Investment Office and Fundamental Choice Portfolio Manager at Merritt Point Wealth Advisors, Vice President-Investments at UBS Financial Services, Director at AIG Trading Group at American International Group, Vice President at Morgan Stanley and Co., and a Money Market Trader at Shearson/American Express.

Mr. Gandhi is a Managing Director and Private Investment Specialist at Cambridge Associates’ advisory and OCIO businesses since 2019. He has more than 20 years of business and investment experience. In his role, Tapan leads private investment portfolio construction, manager idea generation, manager diligence, and portfolio oversight. Prior to joining Cambridge Associates, Tapan has raised and deployed a mid-market private equity fund, led strategy and corporate development for Lehman Brothers in India, led deals at Capital One’s mergers and acquisitions group, and formulated growth strategies for Fortune 500 Companies at Strategy (formerly known as Booz & Co.). He has created and authored two frameworks one on capital allocation and one on Generating Alpha in India.