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RVS Group

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Merrill lynch

RVS Group

Wealth Management
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Merrill Lynch
Wealth Management

The foundation of our approach starts with listening. Asking detailed questions to learn what’s truly important to you helps us understand your feelings about where you are financially and where you hope to be. Our goal is to help you and your family look to your future, bring it back to the present, and “minding the gap.”
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Welcome Statement

Guided by husband-and-wife duo, Rita and Viney Sethy and members of their team, clients of the RVS Group include successful executives, entrepreneurs, and multiple generations of families. Applying a detailed, multi-disciplinary approach that has been honed over decades, the team of seasoned advisors are proud to note that over the years, many clients they’ve served have become close friends. Acting as lifelong financial collaborators, the RVS Group looks beyond client’s investments to develop and implement tailored strategies to help advance clients’ goals. 

“We understand families,” explains Rita. “Drawing on our collective strengths, we look to serve the whole client—both head and heart—in our efforts to make wealth a source of meaning and joy. The value we bring to our relationships is our years of experience, diligence, precision, and an element of calmness. Perhaps our proudest achievement is the long list of families who trust us to deliver impact—not just once, but year after year.” 

Spurring healthy family conversations and navigating through emotional intergenerational issues and guiding generations of families through a myriad of estate and legacy planning situations in meaningful ways comes naturally to Rita, Viney, and their team. Together they help families with their complex and unique needs and connect all of the pieces of their financial puzzles to focus on the big picture. By building relationships rather than conducting transactions, the team’s approach simply cannot be mass produced.
 
As Viney points out, “Nothing we do is cookie cutter. Caring for our clients and earning their trust is a commitment we take very seriously. It’s something we develop over time through hard work, integrity, mutual understanding and respect. Our core business is helping you manage your financial life, and it’s our relationship with you and your family that serves as a foundation for that business.” 

The RVS Group pledges to remain a constant in your life, and we’re here to guide your family today and in the future.

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Understanding Your Complete Financial Picture

In working with you, we seek to understand not just your financial situation and investment objectives, but also your values and aspirations, both for yourself and your family. We are committed to helping you pursue your dreams by providing you with the information and resources you need to make informed decisions about managing your wealth.
 
During our meetings, we sit with you to talk about your life. Perhaps your situation demands an extra measure of financial advice and attention (following a divorce, the loss of a spouse, the sale of a business, or an inheritance). Or maybe you’re financially astute without the time or desire to manage your wealth alone. We ask open-ended questions to get to know you and learn more about your relationships with all of your family members. We ask about your career, when you want to retire and how much money you think you’ll need. Will you be caring for elderly parents? Do you need to put children or grandchildren through college? What type of legacy would you like to leave?  

By the time we get to what’s important to you financially and what you hope to accomplish personally, we already know everything about you. We believe that your wealth management strategy should be evaluated by your progress toward your most cherished goals. 

The process we engage in is not a once in a lifetime event. It’s evolutionary, taking into account ongoing changes in your life, your resources, and any financial decisions you need to consider. Backed by our proactive support staff, we’ll keep you updated on progress being made toward your long-term objectives and key milestones in your life. 

 

Taking the Emotion Out of Investing

Many families look at our team as more than just wealth advisors. They know firsthand that we have the experience and skill to help them preserve and grow significant wealth, across economic cycles, and across generations.

Too often, financial decisions are based on emotion rather than on sound investment principles. Over the past three decades, we have developed a meaningful understanding of the issues that can impact your financial life. When it comes to your money, there is no substitute for a carefully considered, disciplined investment approach grounded in careful research. Our goal is to help you filter out market noise and remain focused on the things you can control, such as the quality and holding period of your investments and the diversification of your portfolio.

By taking a long-term disciplined approach, we can help you ignore short-term market behavior that could distract or derail your investment strategy. We believe that learning from the past helps people avoid making predictable mistakes in the future.

Legacy Planning

How do you want to be remembered by future generations? Perhaps you want to leave a legacy for the people and causes you care about? And what about the financial benefits of legacy planning?

A well-coordinated wealth transfer strategy takes into account what is important to you, whether it be your family, business succession, or an efficient estate tax strategy. Creating an estate plan around your values and aspirations can bring tremendous personal fulfillment, and, with proper planning, help you maximize tax efficiencies and preserve assets for your heirs. Working in conjunction with your estate planning attorney, tax advisor, and Bank of America Private Bank trust and estate planning specialists, we can help you identify strategies that may serve a role in addressing your specific needs, goals, and wishes.

We can aid in facilitating conversations among family members to help turn your wishes into actions. We encourage you to invite your children and grandchildren to join our meetings and introduce them to your values and goals for your legacy. Some of these conversations may include topics such as:

  • Wills and your wishes for the distribution of personal possessions, including real estate and other financial asset
  • Assisted living choices, end-of-life instructions and wishes
  • Philanthropic goals
  • Trusts
  • Gifting and family partnership
  • Insurance

*Merrill Life Agency's California License Number 0522776

Addressing Professionals' Needs

Corporate Executives

As a corporate executive you may have complex financial needs, including unusual wealth concentrations, multiple managed accounts, restricted stock, and more. The RVS Group is well-versed in helping manage complex compensation packages—including company stock options, restricted stock, and nonqualified deferred compensation.

Working in conjunction with your external tax and legal advisors, we can develop a detailed understanding of the constraints and possibilities posed by your situation. We can then design diversification strategies to help mitigate the risk inherent in concentrated positions. These may include such elements as:

  • 10b5-1 plans
  • 83(b) elections
  • Charitable giving
  • Derivative overlays
  • Hedging strategies

Entrepreneurs

At the RVS Group, we bring the same discipline and dedication to our work for you and your family that you bring to your business. As your company grows and develops, it’s important to stay focused and keep sight of your personal priorities, especially as they change over time. We take an integrated view of all of your resources and pride ourselves on our ability to work seamlessly with your family and circle of advisors, including your accountant, attorney and investment banker, to develop wealth management strategies that support the entire lifecycle of your business. Some of the many ways we can help include:

  • Income protection
  • Business succession and exit strategies
  • Qualified and non-qualified retirement plans
  • Buy-sell agreements
  • Insurance strategies

*Merrill Life Agency's California License Number 0522776

Meet Our Team

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.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Rodney Shadman

Rodney Shadman

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1103841

Michael Powers

Michael Powers

Trust Specialist

Bank of America, N.A.

Your Financial Approach

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.

HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3

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.

Staying on Track

We understand that both your life and the financial markets can change over time. By 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.



Reviews to help you
stay on track

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.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    #DigitalMerrill

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    Your advisor is a click away within our site or mobile apps

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    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      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.

      Why Merrill?

      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.


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      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      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.