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Valaes, Carruthers, & Associates

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Valaes, Carruthers, & Associates

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Merrill Lynch
Wealth Management

At Valaes, Carruthers, & Associates, our team is dedicated to helping clients achieve their financial goals, whatever they may be. We begin with a thoughtful and deliberate conversation about what matters most to you. We work with each of our clients to create a personalized wealth management plan, striving to help their assets last through their lifetime and beyond.
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Welcome

Our team’s mission is to be an insightful resource for clients as they accumulate and preserve their wealth. We focus on numerous areas of wealth management including retirement income planning, legacy and estate services, education funding, health care planning, liability management, and tax minimization strategies. We also offer concierge access to personal and private banking, lending services as well as commercial banking through Bank of America and Bank of America Private Bank.

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Client Benefits

As Merrill Lynch Wealth Management Advisors, we are dedicated to our client’s success and work together to create a strategy built around their priorities. Our approach is simple, transparent, and supported by thoughtful investment guidance. We also coordinate with our client’s other professionals; such as estate attorneys, CPAs, insurance agents, etc., to offer one cohesive strategy and to ease the communication overload.

As a Valaes, Carruthers, & Associates Wealth Management client, you will receive the following benefits:

• A customized portfolio tailored to your financial needs
• Assistance determining the proper course of action with various financial decisions
• Frequent portfolio analysis
• Generational estate planning services
• Net worth and balance sheet analysis
• Investment opportunities and risk mitigation

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Our Online Approach

To make life a little easier, we offer a number of online capabilities through MyMerrill.com & the MyMerrill mobile app. As a Wealth Management client, you will have real-time access to your investment account show, when, and where you want them.

Online Capability features include:

• Portfolio summaries
• Statements
• Mobile bill pay
• Viewing account history
• Transferring funds between accounts
• Accessing BofA Global research & insights reports
• Viewing real-time stock quotes
• Securely sending confidential documents
• Encrypted storage of personal documents via our Documents Vault
• Aggregating various outside accounts in one location

*BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation.
Here are some links to help you understand how it works:
Digital Capabilities
MyMerrill Mobile App
Online Delivery
MyMerrill Security Features
Mobile Check Deposit




Recognition

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

David Carruthers

Forbes "Best-in-State Next Generation Wealth Advisors" in 2019

Forbes “America’s Top Next-Generation Wealth Advisors”  2018

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.

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Diane Price Paull

Senior Wealth Management Lending Officer

Bank of America, N.A.

Jason Albano

Jason Albano

Trust Specialist

Bank of America, N.A.

Joshua B Brooks

Joshua B Brooks

Wealth Management Banking Specialist

Merrill

Past Events

The New Retirement

March 18th, 2021|2:00 PM - 3:00 PM EST

Join us virtually on Thursday, March 18th at 2:00PM EST as Andy Sieg, President of Merrill Lynch Wealth Management, sits down with one of the nation’s pre-eminent experts on retirement, Age Wave co-founder Ken Dychtwald, for a conversation on how the pandemic has changed retirement.

Then expert panelists - Lorna Sabbia, Chris Hyzy, and Surya Kolluri - discuss the ways you can prepare for the new realities ahead. Topic areas include:

  • What emerging trends may mean for you as you plan for retirement
  • Retiring earlier than expected—or working longer remotely
  • Medical advances driving longevity and increased quality of life in retirement
  • The impact of the pandemic on women’s retirement security
  • The finances of staying in your home versus moving as you age
  • The future of Social Security and Medicare
  • Investing strategies to consider when you are nearing or in retirement 

    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.

    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
    FAMILY
    Taking care of your family and other people in your life
    • Trust & Estate Planning Services4
    • Education Funding1
    • Insurance3
    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 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.

        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.

        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.