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Glasband Stempel & Associates

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Glasband Stempel & Associates

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Merrill Lynch
Wealth Management

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

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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 Aligned to 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.

Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth 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

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Eric S. Glasband

Barron’s Top 1,200 Financial Advisors in 2014, 2015, 2016, 2017, 2018 and 2019.

Barron’s America’s Top 1,000 Financial Advisors:State-by-State in 2012 and 2013.

Forbes “Best-in-State Wealth Advisors”  2018 and 2019

Eric S. Glasband

Barron’s Top 1,200 Financial Advisors in 2014, 2015, 2016, 2017, 2018 and 2019.

Barron’s America’s Top 1,000 Financial Advisors:State-by-State in 2012 and 2013.

Forbes “Best-in-State Wealth Advisors”  2018 and 2019

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.

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 approach, 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, 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.

      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.