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The MDCL Group

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Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.

About Us

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Mission

Our purpose is simple, it’s to help make financial lives better — it’s who we are and what we do.

Approach

Working with us means working with advisors truly dedicated to helping you pursue what matters to you and the success of your organization. Our approach is simple, transparent and supported by insightful investment guidance. Helping you pursue your goals and the goals of your organization starts with getting to know you. Our job is to understand what matters most to you. We’ll work together to create a strategy that reflects your investment personality and is built around your priorities. You’ll have the flexibility to decide how you want your portfolio managed and understand fees associated with each offering. You’ll receive advice and guidance to help you navigate changes in your life.

Retirement Benefits Consultant

As Bank of America Retirement Benefits Consultants (RBC), The MDCL Group is one of a select group of highly qualified and credentialed Merrill  advisors specialized in defined contribution plans who can add value to your plan by:

  • Offering access to 3(21) fiduciary services1
  • Helping you shape your investment strategies
  • Offering thoughtful advice without a proprietary investment requirement
  • Providing periodic reporting and helping you understand results and measurements to assist you in managing your plan over time
  • Working with you to create a plan that is designed to drive employee engagement and positive participant behavior
  • Assisting in the delivery of employee financial wellness programs and education
  • Educating employees on connecting their life priorities with their finances to help them pursue what matters most to them
1Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. MLPF&S offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.

Caring For Caregivers

Providing professional investment and wealth management advice and guidance and watching you and your families succeed gives us great joy. We look forward to getting to know you and learning more about your hopes and dreams as we explore what is important to you. Our conversations may touch on these seven 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

We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.

Meet the Team

Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The MDCL Group is supported by talented specialists who have experience working with institutions and share a strong commitment to guiding investment programs and strategic decision making.

Jeffrey Wiedmann

Jeffrey Wiedmann

Wealth Strategies Advisor

Bank of America, N.A.

Alison Kaplan

Alison Kaplan

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #23044

Lauren Cummings

Lauren Cummings

Wealth Management Banking Specialist

Merrill

Solutions for Institutions

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And More

Beyond our experience, we offer access to the deep intellectual capital and broad capabilities of Bank of America Corporation and its affiliates. If we identify a need we can’t service ourselves, we can connect you with the people and resources to help you. Through our network of advisors, we strive to deliver strategies to help you manage the day-to-day and long-term responsibilities required in pursuing your institution’s goals. As we work together to address your evolving needs, we can help make the broad capabilities of Bank of America Corporation feel more accessible.

Supporting a strong retirement plan and helping to keep it on track

The retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer, are important to you. We offer the solutions your employees may need to help pursue their financial goals and maintain financial wellness. Our array of resources and experience is designed to help meet your employees’ financial needs in ways that make sense for your company — strategically, operationally and financially. You and your employees will have a team of experienced and passionate advocates for financial wellness on your side. Our team will make your priorities their own so you can focus more on your business.

For Plan Sponsors

Your role as a plan sponsor is more challenging than ever, and it’s not something to face alone. We bring the resources and thought leadership from Bank of America Corporation and its affiliates to bear in helping you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier. We can help you focus on the areas that may be helpful to plan success, including Fiduciary Advisory Services 1 and Education and Plan Services 2 appropriate for your plan.

Fiduciary Advisory Services1

Through Fiduciary Advisory Services, we can help you design and maintain an investment menu.
  • Investment Policy Statement (IPS)3
  • Comprehensive due diligence processes to identify appropriate investments 
  • Proactive delivery – online and by your designated advisor – of investment performance reporting every quarter 
  • Report providing fund analysis and market trends.

1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). Merrill offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.

2 Education and Plan Services are non-fiduciary services required for Advisor Alliance clients and optional for MLII clients.

3 IPS service is not available for FAS Discretionary. The plan sponsor is responsible for the approval and final adoption of the IPS.

Solutions for Individuals

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How We Deliver The Outcomes You Seek

We think the best financial strategy is one that helps you achieve the outcomes you seek, your aspirations and what matters most to you. To help you make informed decisions, we take the time to ask you questions and listen to you, so we understand your vision of success. We listen carefully because your answers guide us to your best strategies moving forward, providing us with paths to achieving your visions.

The most pressing question in private wealth management is perhaps the same as in medicine: “where does it hurt?” We save you time and effort, so we can provide you advice that makes a difference in your and your family’s life. As practical stories provide you vital information, your financial life story helps us understand what matters to you and how we can best help.

We’re adept at unwinding complexity and letting you know about possible options in clear language.

Our desired outcome for you is straightforward: to focus on your and your family’s financial priorities and so you can focus on the art of medicine and the joys of caring for people.

What Makes Us Different?

Behavioral Finance

Behavioral finance is how our thoughts and feelings influence our financial choices. How you think and feel about financial decisions matters to us. We want to be sure we understand what matters most to you so we can build your investment and wealth plan accordingly. We want to make sure you clearly know financial factors that may influence your decisions so you will make informed choices that serve you and your family best in the long run.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to you know 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 strategy 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 and to understand your goals and priorities. These questions will give you a sense of the full assessment and 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 strategy.

In order to deliver the most benefits to you in the shortest amount of time, we ask a series of specific questions to clearly identify the outcomes you are seeking and how you will define success.

Some of these questions may include:
Based on your own experience, what financial questions keep you up at night?
If you could change three aspects of your financial life today, where would you start?
What would you need to do today to feel like you have enough?

When it comes to your money, a little knowledge can go a long way. Start building your financial know-how with Better Money Habits®, in partnership with Khan Academy.

Capabilities That Deliver Benefits To You

Our business is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but also in areas that go beyond investment management. Our ability to provide access to the investment insights of Merrill, as well as banking services from Bank of America and trust and estate services from Bank of America Private Bank, offers a way to help you manage all of the pieces of your financial life. We view ourselves as a financial resource, helping clients with strategies for transferring wealth to the younger generation.

Caring For Caregivers

Providing professional investment and wealth management advice and guidance and watching you and your families succeed gives us great joy. We look forward to getting to know you and learning more about your hopes and dreams as we explore what is important to you. Our conversations may touch on these seven 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

We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.

Join us

Let’s Have a Conversation

There is no substitute for a one-on-one relationship with a Merrill financial advisor committed to your needs.