For years, John Doscher has crafted real-world, risk-managed strategies around personal and financial objectives that he helps clients identify, prioritize and accomplish. Some clients want to know what’s required to send children to college, to plan for and enjoy the retirement they envision, how to effectively inherit and distribute assets, purchase a first or second home or refinance a mortgage. Regardless of a client’s situation or ambitions, he believes that “planning is everything” and that getting out in front of their needs is essential to providing superior wealth management. That’s why he encourages both spouses to talk frequently with him. He also does everything possible to educate “the next generation” in client families, so that wealth and wisdom can be passed along.

John has always believed that clients deserve to rest easy, especially when the markets don’t. That’s why, he tends to focus on generating income, prudent growth and tax efficiencies. With decades spent in institutional and advisory roles, John uses Merrill's Model Portfolios and selected independent managers for specialized investments to help clients reach goals they find personally meaningful.

His clients include successful men and women – telecom, media and other corporate executives, attorneys, accountants, entrepreneurs and generations of families in more than 15 states. Most clients are planning for rewarding retirements and preserving their wealth with reasonable growth and yield. 

His wife, Madeline, was a Spanish teacher and native of Puerto Rico who worked in fashion in New York City, where they met. She currently works part-time with ESL and at a physical therapy office. They have two daughters and three young grandchildren. When time allows, he enjoys spinning, skiing, snowshoeing, tennis, and travel to Spain and Puerto Rico. John paid for college driving school buses in Denver and building the original ski lifts for Keystone and Copper Mountain Resorts. At the University of Denver, he was a member of Beta Theta Pi, threw the javelin for the varsity track team, and raised Alaskan Malamutes.

John follows the deep-seated Merrill tradition of participating in the communities we serve. This drives his interest in spending time volunteering with organizations in his community. He is a member of the Greater Danbury Chamber of Commerce and the Greater Valley Chamber of Commerce in Connecticut. In addition to having assisted HomeFront Inc. with community-based home renovations, he currently volunteers for Merrill-sponsored events, local high school events and youth coaching. John is happy to say that he has met many clients and closest friends through local community and business activities.


    University of Denver

Professional Staff

Supported by the global resources of Merrill, my 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.

Lauren Cummings

Wealth Management Banking Specialist


Brendan Duffy

Investment Solutions Group Portfolio Strategist

Bank of America, N.A.

Alison Kaplan

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #23044

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


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• A good advisor does more than manage clients’ investments. Throughout the year, I work closely with clients’ CPAs and attorneys to align tax minimization and estate planning strategies. I also provide clients with access to residential and securities-based lending through Bank of America, N.A. (NMLS ID 1249951)

• My background in sociology and anthropology allows me to appreciate clients’ fears, objectives and concerns about those they love. Working with both spouses and grown children when possible, I aim to connect the dots in their lives with a financial strategy that feels right to them.


I 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. Calculating how to manage 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? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.


Every relationship begins 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, I start by listening to learn more about you and your family.

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.


Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

I 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. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.

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.


    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 I can help you create a financial approach that reflects your personality. Only then can I 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.


      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.

      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.