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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 industry publications. 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.

Jason Albano

Jason Albano

Trust Specialist

Bank of America, N.A.

Diane Price Paull

Diane Price Paull

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #432359

Joshua B Brooks

Joshua B Brooks

Wealth Management Banking Specialist

Merrill Lynch

Past Events

Webinar with Derek Harris

November 18th, 2020|5:30 PM - 6:30 PM EST

Join us virtually on Wednesday, November 18 at 5:30 PM EST as Derek Harris, Managing Director and Head of Global Wealth Management Portfolio and Investment Strategy for BofA Global Research, discusses his outlook on the markets, with a focus on Merrill’s research analysis. Some topics he will be covering include the U.S. Consumer, current political landscape in the economy, global supply chains moving back to the U.S., and technical analysis of the markets.


*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.

    Midyear Outlook

    July 21st, 2020|2:00 PM - 3:00 PM EST

    Join us virtually on July 21 at 2:00PM EST as top thought leaders explore challenges and opportunities of a year like no other.

    Hosted by Andy Sieg, President of Merrill Lynch Wealth Management, moderated by Nina Easton, Award-winning columnist and TV commentator, and featuring a panel discussion with Candace Browning, Head of BofA Global Research, and Chris Hyzy, Chief Investment Officer for Merrill and Bank of America Private Bank. They’ll discuss how recent events are reshaping every aspect of our lives—and what we could expect for the rest of 2020 and beyond.

      Legislation & Tax Overview

      September 17th, 2020|4:00 PM - 5:00 PM EST

      Join us virtually on September 17 at 4:00PM EST as Jim Carlisle, Senior Vice President of Federal Government Relations, analyzes the impact of pending legislation with a focus on tax issues and what we can anticipate in the the future. In his role, Jim has the responsibility for managing the bank’s relationship with federal elected officials, working closely with business units to analyze the impact of pending legislation, and developing strategies to promote public policies that benefit bank customers, associates, and shareholders. Prior to joining Bank of America in 2008, Jim was a director with the Federal Policy Group, a consulting firm representing businesses before Congress and the Treasury Department on federal tax legislative and regulatory matters.


      *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

        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.