Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Runkle & Associates is a leading team within Merrill Lynch Wealth Management, 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 Lynch. Robert, Jr., after completing the rigorous Merrill Lynch training program, joined forces with his father in 2011. Bob and Robert are complemented by two 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.
Who We Work With
High-net-worth individuals and families: We limit our client engagements to high-net-worth individuals and families who face complex wealth management situations, and who, we believe, will benefit most from our capabilities and experience. Many of our relationships go back years, even decades, and a number of family relationships span two or three generations.
Institutions and retirement benefit plans: We serve several types of institutions including foundations, trade associations, endowments and workers' compensation funds. Among retirement plans, we offer services to defined benefit pension plans and defined-contribution plans, such as 401(k) and 403(b) plans.
What We Do
For individuals and families, we offer a spectrum of wealth management services to help you preserve and grow your wealth. We use a goals-based approach to identify and help you focus your objectives. With this knowledge, we help you structure diversified, customized investment portfolios to power your strategy.
For institutions and nonprofits, Bob Runkle, as a Bank of America Merrill Lynch Global Institutional Consultant, can help clients focus on investment policy, strategic asset allocation, manager search and due diligence, and investment performance reviews.
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 Merrill Lynch 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.
Forbes “Best-in-State Wealth Advisors” 2018, 2019
Financial Times –“Top 400 Financial Advisers” 2013, 2015
Barron’s America’s Top 1,200 Financial Advisors:State-by-State 2009-2019
Forbes “America’s Top Next-Generation Wealth Advisors” 2017
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.
Personalized advice, disciplined investing and ongoing review can make this a reality.
We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
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 strategy, our goal is to help you stay on track to achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
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
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Merrill Lynch Wealth Management Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage 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 strategy to pursue your goals.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy 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.