Tune out the noise: Wealth planning for the year ahead

Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.

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CSR & Associates

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Merrill Lynch
Wealth Management

The CSR & Associates team works closely with you to help you take the steps needed to achieve the goals that matter most to you and your family. The process begins by understanding your goals, aspirations and dreams. Your personalized financial plan is then developed and regularly reviewed, maintaining the flexibility needed to adapt your plan to the inevitable changes you and your family will experience in life.

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Craig Rosenberg

Forbes "Best-in-State Wealth Advisors" 2019-2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Click here to learn more about advisor recognitions

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.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Capabilities

Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

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

Philosophy

We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Welcome

Our mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. We help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

Past Events

Taking Control of Your Retirement (Virtual)

March 22nd, 2023|6:00 PM

Defining and Pursuing the life you want.

Throughout your investing life, you’ve worked hard to save for the retirement you’ve always envisioned. In this seminar and insurance sales presentation, we’ll talk about one of the most life- altering financial turning points each of us will experience — the transition to retirement — and the challenges and risks associated with it, as well as some potential solutions for building a portfolio to support your goals.

Join us for an informative event during which you’ll get a better understanding of:
• Common retirement risks such as longevity, withdrawal, investment and inflation risks — and ways to help manage these risks.
• How to identify your retirement goals, and more importantly, prioritize them based on what matters most to you.
• Techniques for building a portfolio aligned to your priorities — leveraging a range of solutions.

Click here to register.

    Taking Control of Your Retirement

    South Bay, 55 Miller St., Fairfield, CT 06824

    March 15th, 2023|6:15 PM

    Defining and Pursuing the life you want.

    Throughout your investing life, you’ve worked hard to save for the retirement you’ve always envisioned. In this seminar and insurance sales presentation, we’ll talk about one of the most life- altering financial turning points each of us will experience — the transition to retirement — and the challenges and risks associated with it, as well as some potential solutions for building a portfolio to support your goals.

    Join us for an informative event during which you’ll get a better understanding of:
    • Common retirement risks such as longevity, withdrawal, investment and inflation risks — and ways to help manage these risks.
    • How to identify your retirement goals, and more importantly, prioritize them based on what matters most to you.
    • Techniques for building a portfolio aligned to your priorities — leveraging a range of solutions.

    To reserve your place today:
    Call Cristina Condulescu at 203.254.6985 or email Cristina.condulescu@ml.com

    • Dinner
    • Beverages
    Taking Control of Your Retirement

    South Bay, 55 Miller St., Fairfield, CT 06824

    March 21st, 2023|6:15 PM EST

    Defining and Pursuing the life you want.

    Throughout your investing life, you’ve worked hard to save for the retirement you’ve always envisioned. In this seminar and insurance sales presentation, we’ll talk about one of the most life- altering financial turning points each of us will experience — the transition to retirement — and the challenges and risks associated with it, as well as some potential solutions for building a portfolio to support your goals.

    Join us for an informative event during which you’ll get a better understanding of:
    • Common retirement risks such as longevity, withdrawal, investment and inflation risks — and ways to help manage these risks.
    • How to identify your retirement goals, and more importantly, prioritize them based on what matters most to you.
    • Techniques for building a portfolio aligned to your priorities — leveraging a range of solutions. 

    To reserve your place today:
    Call Cristina Condulescu at 203.254.6985 or email Cristina.condulescu@ml.com

    • Dinner
    • Beverages

    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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      #DigitalMerrill

      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

        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.

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        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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        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.

        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.