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.

Barbara S Racan

Wealth Management Banking Specialist

Merrill

Eric Rockenbach

Trust Specialist

Bank of America, N.A.

Shawn DeAngelis

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1450823

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



At The Corsino Primack Czerwinski & Sherry Group, we cater to people whose passions and perseverance have brought them business success and an array of financial challenges. Many are owners and employees of private companies, medical professionals, corporate executives, divorcees, and generations of families in the Delaware Valley and more than 20 states.

While diverse in their paths to our door and to a fulfilling retirement, the vast majority find themselves with more money than when they were working. Typically, these women and men have saved, sacrificed and invested consistently without letting emotions drive their decisions. We are also attracting a growing number of younger clients who are climbing the corporate ladder, beginning to accumulate wealth and seeking ways to set a wise financial course for themselves and their families.

Whether we meet at clients’ kitchen tables or in our office, we learn that clients need help organizing their financial lives. More than once, we’ve helped a client empty a shoebox full of records to identify important bank and investment statements, legal documents and tax forms.

From the outset of each relationship, we ask questions – some expected, some not, “What do you envision in retirement? Who are you responsible for? What are your greatest financial concerns and most cherished goals? What’s the most important thing in your life?

In turn, we answer clients’ questions about sending kids to college, when to take Social Security, having enough life insurance, and if long-term-care is a good idea. In many cases, we find that pieces of clients’ financial puzzle have been previously ignored, including their liabilities, protective components such as insurance, or simply having a will.

When it comes to investing, we listen to clients and the markets. Sharing our rationales with both spouses whenever possible, we educate – so that they understand what they own and why. We find that better-informed investors enjoy a higher level of comfort. Regardless of how we design each portfolio, a client’s “sleep at night” factor is a key consideration.

Having served dozens of clients with situations that may be similar to yours, we have become a repository of knowledge. This is not our first rodeo. You have our commitment to be highly professional and caring – perhaps more than you’d expect from a financial advisory team.

Planning-Based Approach

At The Corsino Primack Czerwinski Group, a hallmark of our process is our planning-based approach. Its success rests on our ability to provoke meaningful discussions with clients, and often learn what they’ve never shared with others.

As we unveil who we are, clients find it comfortable to do the same. Often, they tell us about a troubling family matter, a health concern, or a difficult business situation. We appreciate clients who place their trust in our discretion and ability to offer helpful guidance. In every instance, we do what we believe are in clients’ best interests, even if straightforward suggestions may be difficult for them to hear.

Experience tells us that you – like each of our clients – are a puzzle with a unique blend of circumstances, preferences, achievements and aspirations. To help you articulate your definitions of a fulfilling life, we ask questions: “What brought you here and who was most influential in the decision? What’s your experience with investing? Are you responsible an elderly parent, a grandchild, your employees? What do you expect from us?”

Just as we ask questions of clients, we answer theirs. Many ask if they’re on track to maintain their lifestyle in retirement, or travel the world. To provide accurate answers, we examine changes that may be needed in clients’ spending and saving habits, or in their short- and long-term goals.

Rather than call you when the calendar tells us to, we believe in talking frequently, to discuss a variety of topics – your family, tax situation, cash flow and income, and the markets. When you call, we will recognize your voice and, more importantly, remain mindful of our previous conversation.

Commensurate with the opportunities and challenges facing clients, we are committed to building a highly personalized and proactive dynamic with them. Rather than wait for clients to encounter decisions that we can foresee, we stand behind them by getting out in front of circumstances they anticipate and those they don’t. Doing so allows us to present thoughtful recommendations with sufficient time for them to decide how to proceed.

When it comes to investing, we utilize Merrill and external resources for macro research and select our own managers. Then we build our own investment models and formulate your portfolio for you and you alone – with holdings across asset classes based on your risk tolerance, timeline, need for liquidity, objectives and personal preferences.

Looking Toward Retirement

At The Corsino Primack Czerwinski & Sherry Group, we strongly believe we’re at our best serving clients who want to retire on their terms, aligned with their core values.

For decades, we’ve been clients’ primary go-to resource – on retirement, legacy and longevity planning, 401k Plan analysis & implementation and issues that revolve around aging, Social Security, Medicare and insurance. In advance of key decisions, we aim to help clients “see around corners” – so that likely and unlikely circumstances won’t disrupt the integrated financial strategy we’ve formulated on their behalf. From our involvement in their lives and integrity in serving their best interests, we’ve been introduced to new clients nationwide.

We find that our insights, knowledge and know-how contribute to our clients’ sense of financial independence and confidence – whether they’re about to retire, already retired, or are young professionals who value the importance of having a long-term strategy in place.

If you’re like most of our clients, you want enough money to support your lifestyle in retirement – without having to make changes you don’t anticipate. To help you move from a time spent building wealth to once spent using it efficiently, we focus on risk-managed distribution strategies that reflect your cash flow needs, likely changes in inflation and interest rates, future health care costs, and the type of retirement you envision.

In addition to listening, we find it’s important to educate – to give clients a solid grasp of long-term care insurance, rising medical costs, tax-efficient investment and distribution strategies, as well as estate planning strategies. In all cases, we aim to ensure that both spouses can freely express their comfort with investment risk and their most cherished goals.

Each of us is motivated by the belief that our performance and professionalism play critical roles in enhancing and enriching the years you spend as a retiree. Ours is a heartfelt commitment to provide high caliber intelligence and insight. We feel good knowing that many of our longtime clients are among our closest friends. We welcome the opportunity to serve you, as well – and deliver the experience and attention you and your family deserve.

What You Can Expect

At The Corsino Primack Czerwinski Group, we have helped generations of clients put their wealth to work.

While there are several aspects to providing superior wealth management, we believe it begins by helping to simplify what are often complex and emotional financial decisions.

As our client, you can also expect that we will:

  • Explain what actual outcomes look like. Going beyond spreadsheets and simulations, we will illustrate alternate, real-world scenarios and discuss them with you. We are here to act as a responsible steward of your wealth and wishes, not show how much we know.
  • Build your investment strategy once we have a clear understanding of your experience with investing, comfort with risk, need for liquidity, vision for the future, current expenses and cash flow needs. As part of our disciplined investment process, we focus on minimizing risk, costs and tax consequences. We are long-term investors and do not look to hit “home runs” with speculative opportunities.
  • Utilize our own knowledge, access to the extensive capabilities of an affiliated private banking team, and the resources of our entire firm.
  • Strive to prevent you from making bad financial decisions, at the wrong time. Through frequent conversation and emails, we will try to “accompany you” through periods of volatility and personal difficulty. At all times, we are straightforward, unbiased and willing to act as a buffer in challenging family situations, or when emotion could drive impulsive decisions.
  • Draw upon the vast resources of Merrill and Bank of America, N.A. Whether you’re looking to purchase a home, a car, refinance a mortgage (NMLS ID 1450823), consolidate your banking, or meet with a trust specialist, we will coordinate matters on your behalf. We will also meet with your CPA or attorney to align our tax-minimization and estate planning strategies, or simply to discuss the titling of documents. 
  • Encourage you to see us as a “first call” and us a “go-to” resource.” We are quick to respond and provide a thoughtful perspective. It would be our privilege to deliver our highly attentive service and deeply analytical financial approach.

Past Events

Estate Planning Workshop & Wine Tasting

2951 Centerville Rd, 2nd Floor Conference Room, Wilmington, DE 19808

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

You’re invited to an In-Person Educational Seminar about Wealth Transfer Planning.

We will host a Wine and Cheese Tasting with a local wine expert, Frank Pagliaro, along with some additional light snacks.
Following that, our team & attorney, Paul O'Brien, will share basic estate planning tactics and explain various wealth transfer strategies.

    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.