Seton Hall University B.S., Chemistry Magna Cum Laude Minor in French

Michelle and her husband, Yusuf, are alumni of Seton Hall University and have been married for over 20 years. They are proud parents to Miles and Maya and enjoy traveling as a family. In her free time Michelle is a soccer mom, chess mom, practices yoga, takes long walks, and indulges in mystery books and shows.

CFP® - CERTIFIED FINANCIAL PLANNER™ ChFC® - Chartered Financial Consultant® CDFA® - Certified Divorce Financial Analyst®

Michelle Muhammed is the Managing Partner and Senior Wealth Advisor at M&M Wealth Advisory, bringing over two decades of experience in financial planning and wealth management to her role. As a CERTIFIED FINANCIAL PLANNER™ professional CFP® and Chartered Financial Consultant (ChFC®), Michelle specializes in providing comprehensive financial guidance to high-net-worth individuals. At M&M Wealth Advisory, Michelle collaborates with a team committed to providing personalized, comprehensive wealth management strategies that align with each client's unique goals and values. She helps clients navigate complex financial landscapes and work towards achieving their long-term financial goals. Prior to founding M&M Wealth Advisory, Michelle held positions at various financial institutions. She served as a Director of Financial Planning at Edelman Financial Engines for 11 years. Her experience also includes roles as Vice President/Senior Account Executive at Fidelity Investments, and as a Financial Consultant and Divisional Vice President at AXA Advisors. Those experiences allowed Michelle to hone her skills in financial planning, retirement strategies, investment management, and estate planning. Her commitment to addressing clients' unique needs is further exemplified by her Certified Divorce Financial Analyst (CDFA®) designation, allowing her to offer credentialed guidance in the complex financial aspects of divorce. With her diverse background, including early experience as a Senior Analytical Chemist at Merck, Michelle brings a unique analytical perspective to financial planning. Her blend of technical knowledge, industry experience, and personal commitment to client success makes her a compatible partner for high-net-worth individuals seeking sophisticated financial advice and personalized wealth management strategies. With her wealth of experience, diverse skill set, and commitment to client success, Michelle Muhammed is dedicated to helping clients navigate their financial journey with confidence and clarity.

Beyond her professional achievements, Michelle is dedicated to giving back to her community. She mentors aspiring financial planners through the CFP® Board and volunteers at her children's school. This commitment to service reflects her belief in the importance of financial education and empowerment. CFP Board Mentor I help candidates stay on track while studying for the CFP® exam. Parent Volunteer I volunteer at my children's school in a variety of ways and roles. I am a past room parent and have been a co-coordinator of afterschool enrichment. Assistant Catechist St. Peter's Catholic Church Sep 2018 - May 2019 Provided support to the catechist in classroom activities related to providing religious education to Catholic children.

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