Meet The Team
The People Who Protect What Matters Most
Since 2002, our advisors have helped families, professionals, and business owners across South Jersey plan for risk and build lasting protection. Now meet the team behind the plan.
Built On Trust Since 2002
Every member of our team shares one mission: protecting families, business owners, and future plans. That mission has driven us for more than 20 years, and it shapes every conversation we have.
We're local, we're accessible, and we're here Monday through Friday, 10AM to 5PM. Whether you're a young family, a retiree, or a small business owner, our team is ready to build a plan that fits your life.
Real Advisors. Real Relationships.
At Marlton Business Advantage, you're never just a policy number. Our tight-knit team of 6–10 dedicated professionals takes the time to understand your goals, your family, and your business before recommending a single strategy.
For over two decades, we've earned the trust of Marlton and South Jersey residents by delivering straight answers, personalized guidance, and protection plans built to last. When you work with us, you work with people who genuinely have your back.
Michael Ferraro
Role / title: Business Protection & Estate Planning Specialist
https://www.linkedin.com/in/michael-ferraro-businessprotection
Michael partners with local business owners and self-employed professionals to build small business protection and estate planning strategies. He turns risk into a rock-solid plan for the future.
Danielle Torres
Role / title: Senior Insurance Planning Advisor
https://www.linkedin.com/in/danielle-torres-insuranceplanning
Danielle guides families and retirees through life, disability, and long-term care insurance decisions with clarity and confidence. She's the go-to for making complex protection planning feel simple.
Raj Baldha
Role / title: Founder & Principal Advisor
https://www.linkedin.com/in/raj-baldha-marltonadvantage
Founder and lead advisor with over two decades helping South Jersey families and business owners protect what matters most. Raj specializes in tax-efficient strategies and comprehensive risk planning tailored to each client's goals.