Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now


Lauren Fritz-Mariner joined Merrill Lynch Wealth Management in 2000, currently serving as a Wealth Management Advisor, First Vice President in the Rehoboth Beach, Delaware office. Lauren is also a Senior Portfolio Advisor and a Retirement Benefits Consultant. A Senior Portfolio Advisor can help clients pursue their objectives by managing on a discretionary basis using custom investment strategies, selecting from a wide range of Merrill Lynch model portfolios and third-party investment strategies.

Lauren concentrates on assisting clients in developing long-term financial strategies, which include retirement and educational needs as well as liabilites management and insurance.

Although a native of Iowa, Lauren graduated from Salisbury State University with a B.A. in Communications. She has over twenty years experience in the financial services industry. Lauren is a member of the Georgetown Chamber of Commerce and is an active member of Wesley United Methodist Church in Georgetown. Having been the Development Chair for the Jefferson School, Co-Chair of the Sussex Academy parent committee and Co-Chair for Autism Delaware's "Blue Jean Ball" event, Lauren will assist various civic and charitable organizations whenever called upon. She currently serves on the Southern Delaware Development Committee for Autism Delaware. Lauren maintains an active role in the Miss America Scholarship Program where she was once a local title holder, director, certified judge and coach and participates as a host family for Delaware's " Distinguished Young Womens " pageant. 

Lauren has two principal rules when conducting business:
1.) The Golden Rule and;
2.) The Sundown Rule (which means every message received is returned by the end of the day).


    English, French & Spanish


    University of Northern Iowa

    Salisbury State University

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.

Shawn DeAngelis

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1450823

Michael Nitsche

Wealth Management Banking Specialist


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 Tab

Remember when a simple handshake was all you needed in order to have confidence in someone?  Well, it still exists with my Team.  We welcome you to experience what hard work and solid relationships are all about.  We are a diverse, educated and experienced group who hlep bring all aspects of your financial life together.  We will help simplify the complicated and communicate with you how to improve your current financial health. 


We believe your financial journey is not the same as your neighbor or friend. Our approach to managing your wealth depends on your unique circumstances. We take the time to listen and understand what is important to you. This helps us formulate strategies which pursue successful outcomes. We follow 2 basic rules: The Golden Rule and the Sundown Rule.


Wealth Management is a dynamic process. As I focus on you today and help you identify your goals for tomorrow, we can strive to work together throughout life’s ups, downs, triumphs, and transitions. Helping you pursue your goals starts with getting to know you, your family and developing a plan. My job is to understand what matters most to you. We will work together to create a financial strategy that reflects your investment personality and is built around your life priorities. I will be here to help you make adjustments to your plan if and when necessary over time.

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.

Mariner Makes a Difference

Merrill supports the community where we each live and work. Over the years, we have been able to support several organizations with our time, talents and financial outreach. My office and Team's personal involvement have included:

  • Habitat for Humanity
  • Autism Delaware  (Lauren Fritz-Mariner was named Volunteer of the month in July 2018)
  • The Boys & Girls Club
  • Susan B. Komen foundation
  • The Miss America Organization
  • St. Jude Children's research
  • The Children's Beach House
  • Adopt a Family/ Cape School District 
  • Delaware Coastal Clean up
  • Teaching Children to Save Day
  • Stockings for Soldiers Program -American Legion, Lewes
  • National Kidney Foundation
  • Special Olympics

What is passionate to you?  We would like to know and get involved!  We care about you and what is important in your life.


The Crayon® Initiative

Our Delaware, South Jersey market joined The Crayon® Initiative! Why? This wonderful organization takes our broken, used and unwanted crayons and remakes them into new ones. They are donated to the children, who are in hospitals around the country to brighten their days!

 Crayons for kids.jpg

“I had never heard of this organization before and it was wonderful to involve my daughters, Greyson and Ashton with this project.” ~Lauren

 If you would like to participate in future crayon drives, please contact my office! 



 Adopt a Family 2022

Christmas 2022.jpg

The Rehoboth Beach, Merrill Lynch office was able to bless another family this Christmas! Thanks to Shawna Steinmann, CHSD Asst. Homeless Liaison for Community Caring, the Adopt a Family program through the Cape Henlopen School District will give 513 homeless children a happy holiday.

We were humbled by the amount of time, work and community outpouring we witnessed when dropping off our contribution.

Pictured with Shawna are Chad Stover, Wealth Management Client Associate, Stephanie Collick, Lauren Fritz-Mariner, First VP, Wealth Management Advisor and Melissa Tuttle.



“Trash on our beaches and in our waterways isn’t just unsightly – it’s also potentially dangerous to marine life and in some cases harmful to water quality. The annual Delaware Coastal Cleanup offers volunteers an opportunity to help make a difference for Delaware’s shoreline and waterways while joining an international effort to clean up the world’s waters”….DNREC

Coastal Clean up 2022 _004_.jpg

“Coastal Clean-up for Rehoboth Beach was held September 17th.  And once again, Merrill Lynch participated.

Pictured here: Lauren Fritz-Mariner, First Vice President, Wealth Management Advisor, daughters Greyson & Ashton Mariner, Client Associate, Chad Stover and Resident Director, James Gamuciello.


Adopt a Family 2021
Lauren Fritz-Mariner Adopt a Family 2021.jpg

The Merrill, Rehoboth Beach office was able to help a family of four this Christmas! Thanks to Shawna Steinmann, CHSD Asst. Homeless Liaison for Community Caring, the Adopt a Family program through the Cape Henlopen School District continues to thrive.

We were blessed to be a part of this endeavor. Pictured with Shawna are Chad Stover, Wealth Management Client Associate and Lauren Fritz-Mariner, Vice President, Wealth Management Advisor, Merrill.

Autism Cropped.jpg
Autism Delaware (Lauren Fritz-Mariner was named Volunteer of the month in July 2018)

Habitat for Humanity.jpg
2018 Habitat for Humanity build in Wilmington, DE

Habitat for Humanity 2.jpg
2018 Habitat for Humanity build in Wilmington, DE

Coastal Clean Up.jpg
Delaware Coastal Clean Up

Deleware Coastal Clean Up.jpg
Delaware Coastal Clean Up

Lewes Dragon Boat Festival.jpg
Lewes Dragon Boat Festival-to support Sussex Academy of Arts and Sciences Charter School

Teach Children to Save Day 2.jpg
Teaching Children to Save Day

Teach Children to Save Day 3.jpg
Teaching Children to Save Day

Teaching Children to Save Day.jpg
Teaching Children to Save Day

Adopt a Family Cape School District.jpg
Adopt a Family/2016/ Cape School District

Group Photo for School Letter.jpg
Adopt a Family/ Cape School District

School Letter.jpg
Adopt a Family/ Cape School District

Adopt a Family Christmas.jpg
Adopt a Family Christmas

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.

      Anthem video thumb.jpg 
      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.