Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

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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.

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.

Alison Kaplan

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #23044

Jeffrey Wiedmann

Wealth Strategist

Merrill

Louis Tesoriero

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #78196

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

Welcome

Benefits to you of working with the MDCL Group

We Want You To Live Your Best Financial Life.

We care for caregivers.  We have built our team of credentialed Wealth Management Advisors and Financial Advisors with the compassion, specialized knowledge and healthcare and financial experience needed to best support healthcare professionals' financial well-being.  Our mission is to support you and your families with timely financial advice, guidance and planning strategies so you are well-prepared in your financial life, feel less stress and have more knowledge, especially in these uncertain times - so you can focus squarely on what matters most to you - your families, your patients and your profession - today, and feel confident you are making sound and strategic financial decisions for the longer-term.

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.

Past Events

Learn more: Plan your confidential, 45-minute Financial Well-being conversation Merrill Wealth Management Advisor Lisa Anne Cerbone Montalto, CFP®, CIMA®, CPWA®, CRPC®, CPFA®

December 28th, 2022|6:00 PM - 8:00 PM

Thank you for all you do!

You are dedicated to your patients. We are dedicated to providing timely financial education to enhance your personal financial well-being.

Lisa Cerbone Montalto is with The MDCL Group, a team of 14 Merrill Lynch Financial Advisors dedicated to caring for Yale New Haven Health caregivers’ financial well-being. As a benefit to you, we are available to talk with you, 1:1, confidentially to answer your and your family's personal finance questions.

We look forward to helping you:

  • Learn more about personal finance strategies that may work for you and your family;
  • Learn more about an investment topic that may interest you; and,
  • Help you identify and navigate resources to answer your questions, saving you time.
Our telephone sessions are complementary, and our advice, unbiased.

Register here to schedule your confidential conversation.

We look forward to learning more about your goals and dreams!

    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.

      #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.

        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.

        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.