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The MDCL Group

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Merrill Lynch

The MDCL Group

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Merrill Lynch
Wealth Management
Whatever your personal goals may be, we will work with you to develop a personalized financial approach designed to help you pursue what’s most important to you.

The MDCL Group

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Welcome

Benefits to you of working with the MDCL Group

We Want You To Live Your Best Financial Life.

We have built our team of credentialed Wealth Management, Financial Advisors and Financial Solutions Advisors with offices throughout Connecticut, Rhode Island and New York. We are near your work or home. We want you to utilize our knowledge and experience so you can navigate life’s challenges with more joy. Ultimately, we want you to be well-prepared in your financial life, so that you feel less stress and have more knowledge, so you can make financial decisions with confidence.

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 financial 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, trust and estate services from Bank of America 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.

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.

Tiffany Ramos

Tiffany Ramos

Wealth Management Banking Specialist

Merrill Lynch

Marie C Herrero

Marie C Herrero

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #433657

Louis Tesoriero

Louis Tesoriero

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #78196

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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, 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?

      As Merrill Lynch Wealth Management Advisors, we will help you sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


      Merrill_Capabilities_Brochure.png  

      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.

      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, we will help you build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your strategy as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.