Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
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Runkle & Associates is a leading team within Merrill, offering wealth management strategies and services to affluent individuals, families, institutions, trusts and endowments. Bob Runkle launched his financial services career in the early 1980s and has spent that entire time with Merrill. Robert, Jr., after completing the rigorous Merrill training program, joined forces with his father in 2011. Bob and Robert are complemented by three highly professional, deeply experienced client associates who understand how important diligent, attentive, friendly client service is to a client's top-notch wealth management experience.
The team maintains offices in both Montgomery, Alabama, and Atlanta, Georgia, for the convenience of clients and to facilitate face-to-face meetings.
Runkle & Associates serves a variety of clients like you, including…
Wealth Management for Individuals and Families
We use a goals-based approach to define and prioritize your individual, carefully considered objectives. That means your wealth and investment strategies are designed to help you make progress toward goals that are most important to you. This process is about optimizing the value of the resources you have; it's not about reaching for unsustainable returns or "beating" a market index. Our central task on your behalf is to spot investment opportunities that fit into your strategy, and the potential risks, and inform you quickly.
Our process integrates adjustments and rebalancing over time, as needed. Your strategy and investment portfolio should change as you navigate the inevitable twists and turns of your life. As you move forward, your strategy is designed to stay flexible so that we can talk you through different courses of action and their trade-offs.
One of our team strengths is that we speak very candidly with our advice and guidance about your choices, even during your most difficult financial decisions. As a crucial resource, we can step in to explain wealth and its management to others in your family as well.
For many years, insurance companies, workers' compensation boards, trade associations, nonprofit charitable organizations, pensions and retirement savings plans have turned to Bob Runkle for insight, advice and guidance. The entire team at Runkle & Associates is committed to helping these organizations use their assets and manage their businesses effectively to fulfill their missions.
For a board of trustees or an investment committee, Runkle & Associates is a source for a candid, strategic perspective, interpretations of financial industry trends and investing know-how. We take time to understand the needs of institutions, just as we do with individuals and families. Our view is that investment strategies should be linked to the organization's strategic objectives, effective governance, cash flow, liquidity needs, time horizon and risk management. A thoughtful and well-written investment policy is key to these items.
The centerpiece of Runkle & Associates' investment philosophy is the belief that asset allocation—how your investment capital is spread across different asset classes and sub-classes—is the most important determinant of portfolio performance, over time.
We work with clients of all types to target realistic return expectations, an effort that entails understanding their risk criteria. For individual investors, we look at two fundamental elements of risk: true financial risk—the estimated level of downside risk beyond which may impact lifestyle; and emotional risk—how the person feels about financial loss. These risk criteria affect how we suggest you structure your portfolio and allocate capital across asset classes and sectors.
We also take into consideration your short- and long-term goals, time horizon, liquidity and income needs, and tax sensitivities.
We can offer boutique-like attentiveness and accessibility combined with the global perspective and industry experience of Bank of America Global Institutional Consulting. Our team is passionate about helping clients strengthen and grow their organization, and helping institutions fulfill their goals and missions. When you work with Runkle & Associates, you can expect a high level of commitment, teamwork, personalized service and customized strategies.
Taking Advantage of Diversification
Our experience has shown us the value of diversifying a portfolio across asset classes and within them. Diversification is a risk management approach that can be used to help manage short-term and long-term risks.
Leveraging the Investment Universe
We consider an investment universe that includes domestic and international stocks, taxable and tax-advantaged bonds, and cash and cash equivalents. For certain qualified investors, we may recommend alternative investments, such as hedge funds and private equity partnerships, to deepen the level of diversification.
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Barron’s Top 1,200 Financial Advisors in 2014-2020
Barron’s America’s Top 1,200 Financial Advisors:State-by-State 2009-2013
Financial Times –“Top 400 Financial Advisers” 2013, 2015, 2020
Forbes “Best-in-State Wealth Advisors” 2018, 2019, 2020
Forbes “America’s Top Next-Generation Wealth Advisors” 2017, 2019
Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.
We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
Your advisor is a click away within our site or mobile apps
You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features
Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.