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Carchedi & Associates

Wealth Management Group
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Merrill Lynch
Wealth Management


We serve a loyal and impressive circle of clients that appreciate our ability to enhance their wealth and outlook – while providing exceptional care and consideration.

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Welcome

At Carchedi & Associates, our highly experienced team caters to people whose passions and perseverance have brought them financial success and an array of challenges. Our largely referred clientele includes active and retired physicians, corporate executives, business owners, widows and generations of families throughout Ohio and in more than ten other states.

While distinct in their paths to our door, the vast majority of clients has saved, sacrificed and invested consistently without letting emotions drive their decisions. In recent years, we’ve also attracted a growing number of younger clients who are beginning to accumulate wealth and seek to set a wise financial course for themselves and their families.

Whether we meet at clients’ kitchen tables or in our office, we believe that our authenticity and transparency are apparent. Often, we learn that clients need help organizing their financial lives. More than once, we’ve helped a client empty a shoebox full of records to identify important bank and investment statements, legal documents and tax forms.

 At the core of our offering is our desire to know clients exceedingly well. That’s why we ask questions – some expected, some not, “What do you envision in retirement? What’s your greatest achievement and proudest moment? Who are you responsible for? What’s the most important thing in your life?”

 In turn, we answer clients’ questions – about how to increase cash flow, utilize debt wisely, insulate their wealth from market volatility, pay for college, and Social Security strategies, In each conversation, we are straightforward and explain matters in simple terms. 

 When it comes to investing, we listen to clients and the markets. Sharing our rationales with both spouses whenever possible, we educate – so that they understand what they own and why. We find that better-informed investors enjoy a higher level of comfort. Regardless of how we design each portfolio, a client’s “sleep at night” factor is a key consideration. 

Having served dozens of clients with situations that may be similar to yours, we have become a repository of knowledge. This is not our first rodeo. You have our commitment to be highly professional and proactive – perhaps more than you’d expect from a financial advisory team.

What Clients Can Expect

At Carchedi & Associates, we have helped generations of clients put their wealth to work. While there are several aspects to providing superior wealth management, we believe it begins by helping to simplify what are often complex and emotional financial decisions.

As our client, you can also expect that we will:

• Explain what actual outcomes look like. Going beyond spreadsheets and simulations, we will illustrate alternate, real-world scenarios and discuss them with you. We are here to act as a responsible steward of your wealth and wishes.

• Strive to prevent you from making bad financial decisions, at the wrong time. Through frequent conversation and emails, we will try to "accompany you" through periods of volatility and personal difficulty. At all times, we are authentic, straightforward, and willing to act as a buffer in challenging family situations.

• Build your financial strategy once we have a clear understanding of your experience with investing, comfort with risk, need for liquidity, vision for the future, current expenses and cash flow needs. As part of our disciplined investment process, we focus on minimizing risk, costs and tax consequences. We are long-term investors and do not pursue speculative opportunities.

• Draw upon the vast resources of Merrill and Bank of America, N.A. Whether you’re looking to purchase a home, a car, refinance a mortgage, consolidate your banking, or meet with a trust specialist, we will coordinate matters on your behalf. We will also meet with your CPA or attorney to align our tax-minimization and estate planning strategies, or simply to discuss the titling of documents.

• Encourage you to see us as a "first call and go-to resource." Rather than call you when the calendar tells us to, we believe in talking frequently, to discuss a variety of topics – your family, tax situation, cash flow and income, and the markets. When you call, we will recognize your voice and, more importantly, remain mindful of our previous conversation. It would be our privilege to bring our highly attentive and deeply analytical approach to you and your family.



*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

*Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Our Focus On Planning

At Carchedi & Associates, a hallmark of our process is our planning-based approach. Its success rests on our ability to provoke meaningful discussions with clients, and often learn what they’ve rarely shared with others.

Experience tells us that each client is a puzzle with a unique blend of circumstances, preferences and aspirations. To help you articulate your definitions of a fulfilling life, we may ask, "What brought you here and who was most influential in the decision? What outcome do you desire working together? What’s important to you? How do you think you’ve done in reaching your goals? And what concerns you most?"

Just as we ask questions of clients, we answer theirs. Many ask if they’re on track to maintain their lifestyle in retirement, travel extensively or support family members. To provide accurate answers, we take inventory of their financial lives, examine changes that may be needed in clients’ spending and saving habits, or in their short- and long-term goals.

Rather than wait for clients to encounter decisions that we can foresee, we stand behind them by getting out in front of circumstances they anticipate and those they don’t. Doing so allows us to present thoughtful recommendations with sufficient time for them to decide how to proceed.

In talking with clients about investments, we recognize that most seek reasonable portfolio growth without significant volatility or the possibility of absorbing large losses. Taking cues from clients, we are big believers in dividend-paying stocks with strong management and long track records. Aiming for "singles rather than homeruns," we favor equities of well-known companies, as well as ETFs, and mutual funds. In short, we prefer investments that are transparent to us, and to clients.

As we unveil who we are, clients find it comfortable to do the same. We appreciate clients who place their trust in our discretion and ability to offer helpful guidance. In every instance, we do what we believe are in clients’ best interests, even if straightforward suggestions may be difficult for them to hear.

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.

Rick Church

Wealth Management Banking Specialist

Merrill

Michael Passodelis

Wealth Management Banking Specialist

Merrill

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.

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      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.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.

      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.