Labiak, Ficara & Associates

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Merrill Lynch

Labiak, Ficara & Associates

Wealth Management

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Merrill Lynch
Wealth Management

"We put clients’ priorities and goals at the center of our work. Our goal is to build long-term relationships that can give clients deep, steadfast support spanning generations."

- Nathan Labiak and Christopher Ficara

Labiak, Ficara & Associates

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Bring clarity and focus to your financial life.

Managing wealth is much more than deciding what investments to own. It’s about creating a strategy for your family’s financial future that targets your unique goals and objectives. At Labiak, Ficara & Associates, we are committed to assisting clients in simplifying their financial lives with strategies designed to help preserve, manage and grow wealth over time.

Our approach to wealth management is forward thinking and provides access to the global investing insights of Merrill Lynch and the banking convenience of Bank of America. That powerful combination allows us to access an extensive range of services and act with capabilities that can be tailored to and focused on your individual financial needs and goals.

Our clients are retirees, corporate executives, small businesses owners and entrepreneurs. We welcome the opportunity to speak with you about your family’s wealth.

Focus your vision: Strategies for your financial life

Our approach to wealth management focuses on your goals and financial outlook. We work closely with you to gain a clear understanding of your current finances, future goals and priorities. Then we combine a rigorous client assessment with advanced portfolio construction techniques to help you create investment strategies that become key parts of the pursuit of your financial objectives. These strategies take into consideration your risk tolerance, liquidity needs, time horizon, short- and long-term goals and tax minimization needs, going beyond the traditional labels of "conservative," "moderate" and "aggressive." 

We utilize Merrill Global Research, along with sophisticated modeling tools, to assess various investment scenarios. These scenarios may include predictable events, such as retirement or the sale of a business; as well as unpredictable events such as market conditions, changes in tax regulations, or the unexpected loss or disability of a primary income earner.

With your permission, we can work closely with other trusted professionals, such as your accountant or estate planning attorney, to help ensure that together we achieve the best possible outcome for you and your family. We encourage open and candid communication. Our goal is to build long-term relationships that can give clients deep, steadfast support spanning generations.

*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Personalized service, global resources

We provide a personalized service that can help you navigate the many useful resources of a large firm- the investing insights of Merrill Lynch and access to the banking convenience of Bank of America. That powerful organizational combination allows us to offer access to an extensive range of services and capabilities that can be tailored to and focused on your individual financial needs and goals.

Our clients look to us for advice on a host of financial topics which include:

  • Investment management

  • Alternative investments

  • Retirement planning

  • Education funding

  • Executive compensation/services

  • Concentrated stock strategies, including 10b51 sales and 144 reporting

  • Private business sales

  • Banking and lending

  • Trust and estate planning services

  • Private foundations

*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Meet the 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.

Your Financial Strategy

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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

Staying on Track

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.

<br />Regular reviews to help you stay<br />on track

Regular reviews to help you stay
on track

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.

    <br />Monitoring changes in your life<br />and to your goals

    Monitoring changes in your life
    and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      Let’s Have a Conversation

      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.

      Why Merrill Lynch?

      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.


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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.

      Personalized advice from a dedicated financial advisor.

      Getting to know you is our primary goal.

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

      Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your plan as your life and the markets change.

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