Glasband Stempel & Associates


Glasband Stempel & Associates

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The entire Glasband Stempel & Associates team is dedicated to delivering consistent, high-quality service that exceeds your expectations. We all share our knowledge and insights on your behalf.

Glasband Stempel & Associates

Every Client Is Unique

Glasband Stempel & Associates has more than 30 years of combined experience helping people of means pursue their wealth management goals. We are committed to earning your trust by offering candid financial advice and investment guidance.

We work with people of all ages and all walks of life. No two clients are exactly alike, even though they may share similar concerns. That is why we take the time to learn who you are, what is important to you and what you want to accomplish with your wealth – for yourself and future generations.

Investment Strategies to Suit Your Risk Profile

When we help you design an investment strategy, our number one objective is to preserve your wealth and generate income to help meet your lifestyle needs. We believe one of the most effective ways to pursue that objective is by allocating your investments across a range of asset classes.

Depending on your objectives, liquidity needs, risk tolerance and time horizon, the allocations we suggest for you may include domestic and international equities, tax-advantaged and taxable bonds and, if appropriate for certain clients, alternative investments such as commodities, hedge funds and private equity partnerships. From time to time, we may suggest short-term tactical allocation moves to take advantage of market opportunities.

One of our most important tasks as your financial advisor is to help you determine the level of risk that is appropriate to your temperament and investment goals. We want you to understand both the risks you are currently taking in your portfolio and the amount of risk you may need to take as you reach for specific goals.

*Alternative Investments such as derivatives, hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk.
*Some or all alternative investments may not be suitable for certain investors.

Helping You Think About the Future

We leverage our experience, market insights and professional skills to provide "big picture" thinking to help you develop a workable wealth management strategy. Investment advice and guidance is central to our approach, but first we need to explore all the various dimensions of your life.

We Follow These Guiding Principles
    • Our approach to wealth management is disciplined and thorough. We take the time to understand your financial and personal goals before helping you to create a diversified investment portfolio.
    • We are extremely sensitive to the need for managing risk. Preserving your wealth is paramount to our investment approach.
    • Personalized attention and proactive communication underpin our service commitment.
    • We know you look to us for advice and guidance on financial matters, and we work hard to earn your trust and confidence in us. 

Focusing On Retirement

Many clients we work with have begun, or are preparing for, a new stage of life – retirement. They come to us seeking strategies designed to help preserve their wealth and help provide an income stream that will enable them to pursue lifelong goals and dreams.

You may have concerns about when you can retire and whether your assets will last for the rest of your life. It's a common worry. Glasband Stempel & Associates has helped many clients find answers to questions like these:

  • Will I be able to retire when I want, and with the lifestyle I desire?
  • Am I saving and investing enough to achieve my goals?
  • How should I invest the proceeds from the sale of my business? Are there tax-efficient strategies I need to be aware of? At your request, we can coordinate with your other trusted advisors, such as lawyers and accountants.
  • If I retire early, what are my options with my 401(k) plan and how should I handle a lump sum payment? What about Roth conversions and "stretch" IRAs?

*You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care.

  • We believe that strong relationships are founded on caring for clients and being responsive to their needs. We are committed to listening toyour concerns and helping you navigate the changes in your financial life."Eric S. Glasband

Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
Using your finances to bring it all together
  • Merrill Lynch 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

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

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 give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

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 Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.

Transcript of Video 

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

Adjusting your plan as your life and the markets change.

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