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DMD Wealth Management Group

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DMD Wealth Management Group

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Merrill Lynch
Wealth Management

DMD Wealth Management Group is a close-knit team with a consistent approach to client service. As individuals we have amassed 73 years of experience spanning investment management, wealth advisory and client service. We are dedicated to advanced learning to help stay abreast of new ideas, innovative approaches and important trends. As a team we strive to be greater than the sum of our parts, because we have found that collaboration among members is invaluable to strategic and disciplined decision making. We take the time to educate you about the many facets of investing and asset allocation, and also the features and benefits of a wide variety of applications and online tools available through sophisticated technology from Merrill Lynch.

DMD Wealth Management Group

Welcome

Serving clients means building lifelong relationships

Based in Fort Lauderdale, Florida, DMD Wealth Management Group is a financial advisory team experienced in dealing with the complexities that individuals and their families face in dealing with significant wealth. Working with a select number of affluent families, professional athletes, business executives, entrepreneurs, attorneys and doctors, and other professionals across the country allows team members to devote the time and resources necessary to gain an in-depth understanding of each client's personal priorities and financial position.

You might be accumulating wealth or focused on asset preservation and retirement. Perhaps you want to pursue philanthropic passions. By offering you our experience we can provide sophisticated advice, guidance and strategic thinking, combined with the investment insights of Merrill and the banking convenience of Bank of America. Our mission is to build enduring relationships with clients through highly personalized service, disciplined investment strategies, and mutual understanding and respect.

As your team of financial advisors we strive to:

  • Offer personalized wealth management that goes beyond investments, addressing retirement income planning, estate planning services, tax minimization strategies, wealth transfer and risk management strategies
  • Recommend and implement investment strategies designed to help pursue your goals
  • Provide you with first-class service, always going the extra mile
  • Act on your behalf with integrity and respect for your privacy
  • Proactively communicate with you, sharing news and information
  • Deliver an outstanding wealth management experience and guide you along the path to your goals

Philosophy

We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Disciplined Process

Understanding your unique needs

Your life goals provide the basis of your customized strategies. So our approach starts with asking questions that provide a deep, meaningful understanding of your objectives. We want to offer you straightforward answers and uncomplicated strategies that lead to smarter, more informed decisions. We believe wealth management means standing alongside clients, aligning our advice and guidance with your real world objectives, and then collaborating to help design strategies to pursue them. Over time, the strategies evolve, taking into account changes in your life or your resources.

Our disciplined process progresses through five stages:

Step 1—Assess the Situation: We start by devoting considerable time and resources to learn about you and your financial position, priorities and dreams.

Step 2—Articulate Needs and Goals: As you describe to us your specific concerns, we can help you identify your goals, liquidity needs, time horizon and risk tolerance so we can help you design your customized road map.

Step 3—Define and Refine Approach: We can discuss "what if" scenarios and simulate their impact on your current lifestyle to help identify any necessary trade-offs, refine the decision-making process and make adjustments accordingly.

Step 4—Implementation: Our task at this stage is to take each of your goals and find investments or other financial strategies that can help you pursue them.

Step 5—Review Progress: Periodic reviews and evaluations of your investment strategies are key parts of the process, to help keep those strategies aligned with your goals. As your life changes, we can suggest ways to rebalance your portfolio or reformat you strategies as necessary.

Serving Your Needs

Targeted, multifaceted wealth management

To aid us in designing customized strategies to address your many financial needs, we draw not only on our own knowledge and experience but also on a network of talented specialists throughout Bank of America and Merrill.

Helping athletes toward the goal line—Professional athletes are often challenged to translate a short earning period onto a lengthy retirement that in many cases may last well over 50 years. Working with players from professional sports leagues, we understand the unique challenges that athletes face and have strategies for each stage of your career. We also can work with your other professional advisors, with your permission, to help provide the financial support and guidance you need during and after your playing career.

Strengthening your business—The finances of owners of closely held businesses can be complicated. We can offer you a wide array of services that can help you manage your business finances and your personal wealth.

Addressing corporate executives' needs—We are well versed in helping corporate executives with the complexities associated with company stock options, restricted stock and nonqualified deferred compensation, as well as with maximizing their retirement plan contributions.

Building a legacy—In order to help you preserve your wealth across generations, we coordinate with your legal and estate planning professionals to review essential documents and create strategies that may involve insurance, trusts, gifts and family partnerships.

Offering financial care to professionals—We offer retirement planning services and investment management for physicians, attorneys and other professionals, including defined-benefit and 401(k) plans. Additionally, we can assist with cash management and liquidity needs for any large purchases, investments or acquisitions.

Services for employees of government and law enforcement agencies—Our team is experienced in the financial needs and wealth outlook of civil servants, particularly state and federal law enforcement personnel. We know first-hand the career paths and changes such professionals face, and can provide guidance on tax minimizing ways to structure your wealth for retirement, taking necessary income streams and inflation into consideration.

Creating strategies for institutions—Working in conjunction with the Bank of America Global Institutional Consulting Group, we have a depth of experience helping foundations and endowments prepare strategies to help pursue their missions and fulfill their legal oversight and governance.

Providing access to Bank of America credit and lending services—Through Bank of America we can offer you access to an expansive array of commercial banking, residential lending, small business banking, and personal checking and savings.









*Global Institutional Consulting is part of the Global Wealth & Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A. Global Institutional Consultants mentioned herein are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) and may assist you with investment products and services. The nature and degree of advice and assistance provided, the fees charged, and clients’ rights and Merrill’s obligations will differ depending upon the products and services actually provided. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a registered broker-dealer and investment adviser and Member SIPC.

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.

profile photo

Oralia Rojas

Structured Credit Executive

Bank of America, N.A.

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.