Vacheron DiSabato & Associates

Merrill Lynch

Vacheron DiSabato & Associates

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At Vacheron DiSabato & Associates, every member of our team is dedicated to helping people achieve their financial goals. We believe every client is entitled to the highest level of personalized service and care. With the global resources of Merrill Lynch, we’ll place you at the center of the wealth management process as we work together to design goals-based financial strategies to help you reach the goals that matter most to you.

Vacheron DiSabato & Associates

Three decades of experience to help you prepare for what's next

For over 30 years, a select and knowledgeable clientele has turned to Vacheron DiSabato & Associates at Merrill Lynch for sophisticated wealth management. Offering a boutique-like approach and an overarching commitment to outstanding service, our team is skilled in bringing focus and structure to the complex wealth management needs of business leaders, investors, philanthropists and affluent families.

Our background gives us the ability to help you better target your current goals — and to anticipate what opportunities and interests may surface in future years. With perspective and experience gained from serving clients during a variety of market conditions, we can help you prepare for an evolution of your wealth and goals over your lifetime — and for generations to come.

*Source: Forbes "Best-in-State Wealth Advisors" list, February 2018. For more information about the selection criteria, go to Forbes is a trademark of Forbes Media LLC. All rights reserved. These rankings and ratings are not representative nor indicative of any one client’s experience, future performance, or investment outcome.
*Source: Barron's “Top 1,200 Financial Advisors” list, March 12, 2018. Advisors considered for the "Top 1,200 Financial Advisors" ranking have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the advisor rankings include: This is a list of the top advisors in each state, with the number of ranking spots determined by each state’s population and wealth. The rankings are based on assets under management, revenues generated by advisors for their firms, and the quality of the advisors’ practices. Investment performance is not an explicit criterion because performance is often a function of each client’s appetite for risk. In evaluating advisors, we examine regulatory records, internal company documents, and 100-plus points of data provided by the advisors themselves. Barron’s does not receive compensation from advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron’s is a trademark of Dow Jones & Company, Inc. All rights reserved. Rankings and recognition from Barron’s are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement of the advisor.honor title
*The Financial Times Top 400 Financial Advisors, (March, 2014; April, 2013). The Top 400 list is based in large part on data gathered from and verified by broker-dealer home offices, and, as identified by the FT, reflected each advisor's performance in six primary areas, including assets under management, asset growth, compliance record, experience, credentials and accessibility. The full methodology is published here: The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome.

How we help you manage your family's financial life

Many clients we work with are busy, savvy people who need help to stay organized, avoid pitfalls and identify key opportunities. Managing wealth can be complex and time-consuming. At your request, we can coordinate with your other professional advisors, such as your CPA and attorney, so that we can help you with each stage of your financial life, including the accumulation, preservation and tax-efficient distribution of wealth. We can also work with you and your family to help you leave a lasting legacy by providing access to estate planning services.

Services to simplify your financial life
We can offer you the professional guidance and access to services you need for:


Helping you manage what's next

We find that many clients are clear on how they want to use their wealth today, but need guidance in charting a course for the future. Much of our work is based on a deep understanding of your life, needs and dreams, as well as your risk profile, liquidity needs and time horizon. As we get to know you, we will ask these questions:

  • What do you most want to do?
  • Where will you and your family be in 5, 10 and 20 years?
  • What upcoming events could impact your wealth, or family situation?
  • What level of risk are you comfortable taking to help turn your dreams into realities?
One key to managing your wealth is regularly reviewing your overall financial picture. We commit to communicating strategy and outlook to you on a quarterly basis and to be available as needed, especially in times of market stress.

Annually, we build a presentation of:
  • Your goals
  • Current and target asset allocation
  • Net worth statement
  • Lifetime cash flow simulation
  • Market environment and opportunities
  • Investment performance and risk measurement
  • By applying a variety of lenses to your financial picture, we can help you make more knowledgeable decisions.

"Working to avoid investment mistakes..."

We approach investing by asking what could go wrong. Over three decades we have seen many mistakes made and have developed the following beliefs about investing:

  • The investment landscape is complex but not indecipherable
  • It is easier to be right in the long term than in the short term
  • There is false precision in many quantitative measures of risk, performance and diversification
  • There is always more than one way to look at a problem
  • Conservative lifestyle planning leads to more measured investment decisions
  • Leverage must be used with caution and vigilance
This wisdom helps us put you in the center of our firm's global investment capabilities, so we can offer you a wide array of options for:

  • Asset allocation
  • Institutional investment managers and funds
  • Individual equities and bonds
  • Global research
  • Private equity funds
Helping you understand risk
We understand how to analyze intangible risks you may not have considered, such as increasing taxes, inflation, a debilitating illness affecting you or your spouse, or a lack of liquidity in your estate, and can offer strategies to help you to manage them.

  • We challenge ourselves to simplify the demands that accompany affluence, providing you with a clear path to help you pursue your goals.Thomas Vacheron, CIMA® | Managing Director | Wealth Management Advisor

Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Thomas E Vacheron

Thomas E Vacheron

Wealth Management Advisor

Robert J Disabato

Robert J Disabato

Wealth Management Advisor

Adam C. Stevko

Adam C. Stevko

Wealth Management Advisor

Karen B Sullivan

Karen B Sullivan

Registered Client Associate

Peter R Smith

Peter R Smith

Analyst Investments

Gentra N Curran

Gentra N Curran

Client Associate

Kathleen Anne Clark

Kathleen Anne Clark

Client Associate

Tanya T Kutlik

Tanya T Kutlik

Registered Senior Client Associate

Lawrence  Sang

Lawrence Sang



Additional Resources

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

Louis P Giambertone

Louis P Giambertone

Insurance Specialist

Christopher A Calipa

Christopher A Calipa

Senior Wealth Management Lending Officer

Paul G Stauffer

Paul G Stauffer

Trust Specialist

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch 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.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
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 give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life 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.

Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’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. 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.

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 financial 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.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.

Transcript of Video

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 Lynch, 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.