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Merrill lynch

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

Here are some links to help you understand how it works:
Digital Capabilities
MyMerrill Mobile App
Online Delivery
MyMerrill Security Features
Mobile Check Deposit



*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.

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

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.

Jason Albano

Wealth Strategist

Merrill

Christopher S Woods

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #158135

Burness Griffin

Wealth Management Banking Specialist

Merrill

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.