Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

Watch now

Merrill lynch

The Ryan Palmesano Group

Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management

The Ryan Palmesano Group recognizes that wealth management is an evolving process.

Our team delivers customized services based on each client's unique circumstances. We build lasting client relationships in which they turn to us for guidance at every stage of their financial lives.
mediahandler/media/
Client-Focused Financial Guidance

The Ryan Palmesano Group is a Fort Lauderdale–based multi-generational wealth management team. We strive to offer financial guidance with a focus on client service. Our goal is to connect all aspects of clients’ financial lives. We bring decades of collective experience to the work we do creating customized wealth management strategies designed to help individuals preserve, enhance and manage wealth throughout their lifetime and leave a legacy for family and community.

We work with a diverse group of clients at different stages of their financial lives. They range from active business owners, executives and professionals to retirees who are enjoying the wealth they worked hard to create. Although their goals may differ, they often share common values, such as a strong work ethic and a commitment to philanthropy and financial education for future generations. We are pleased that many of the relationships we have built with clients and their families extend deep into families, sometimes as far as the fourth generation.

Our team strives to put clients at the center of everything we do. We find it gratifying that many of the people we work with recommend us to their colleagues, family and friends. If you are seeking a different level of customized financial guidance, we invite you to get to know us. 

mediahandler/media/
Your Goals Are the Starting Point

"Our goal as financial advisors is to identify clients' life priorities and align our approach with their goals."

-Michael G. Ryan | Managing Director | Senior Financial Advisor


What does wealth mean to you and your family? Our team delves deep to learn all we can about your immediate and long-term wealth management needs, goals and aspirations.

We seek to gain a thorough understanding of your values and what is most important to you:
  • When do you want to retire and how much money will you need to maintain your lifestyle in retirement?
  • Which intergenerational financial issues are of greatest concern to you—for example, providing for children’s or grandchildren’s education, or transferring wealth to future generations?
  • Do you wish to leave a philanthropic legacy?
By listening to and learning from you, we can help you define your goals and design strategies to pursue the objectives that are most meaningful to you and your family. We are experienced in offering guidance on a range of wealth management issues, including:

Retirement income. No matter how much wealth you have accumulated, you may be concerned about making it last throughout your lifetime and beyond. Using sophisticated retirement income analysis tools, we can help you assess your financial needs and expectations for retirement. After you retire, we can assist you in developing strategies designed to generate income and track spending—with the goal of mitigating the risk of outliving your resources and eroding your legacy.

Leaving a legacy. We can guide you in developing tax minimization strategies for the distribution of wealth.

Personal philanthropy. Many wealthy clients find purpose in giving to the charitable causes that are most meaningful to them. Our team can help you design long-term strategies for thoughtful, focused giving.

Financial education. Teaching younger generations about the responsibilities of managing wealth is a value that many families share. Helping clients provide financial education for Generation X and Millennial family members is a particular focus for our team.

Managing unexpected wealth. Clients often seek our financial guidance following a liquidity event, such as a business sale or inheritance, that requires a higher level of skill and attention.

For families with particular wealth management needs, our team is a bridge to the investment resources of Merrill and the banking convenience of Bank of America. We can access a broad range of capabilities to help you with the different aspects of your financial life, from asset management and estate planning services to assistance through Bank of America with trusts, real estate financing and liability management. 




*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.

*Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation.

mediahandler/media/
Customizing Your Financial Strategy

"Helping clients understand the true meaning of risk is one of the most important things we do. For many people, the greatest risk may be outliving their financial assets." 

–Joseph A. Palmesano | Senior Vice President | Wealth Management Advisor

The Ryan Palmesano Group views your investment portfolio as a means to pursue your financial goals, not an end. We consider your strategy in the context of a broader approach to wealth management. Through our discovery process, we develop a deep understanding of your goals and values that forms a foundation for the strategies we suggest for you.

Using sophisticated Merrill tools, combined with our own insights, we help clients define their investment personality and gauge their ability to tolerate risk and market volatility. We work closely with clients to educate them about the different forms risk can take, and the role it plays in pursuing investment objectives.

When we design strategies for allocating the assets in individual portfolios, we consider client-driven criteria such as personal preferences, liquidity needs, risk profile and time horizons for pursuing specific goals. We generally recommend a broad range of asset classes that may include alternative investments, such as private equity, where appropriate.

The strategies we recommend are implemented entirely through third-party managers. We select managers based on BofA Global Research and our own careful evaluation of their performance. Our approach to manager selection is transparent, and we take the time to explain why we recommend particular managers based on whether we believe they are a good fit with your investment style and the goals you wish to pursue.

Tracking progress is integral to your strategy. Throughout our relationship with you, we will conduct periodic financial reviews and make recommendations to keep your strategy aligned with your financial goals and any important changes in your life.


*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.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. 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. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.


mediahandler/media/

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.

Damilet Ball

Wealth Management Banking Specialist

Merrill

Corey Bilbo

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1392632

Sameer Derashri

Wealth Strategist

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.


      MLBrochure.png        

      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.



      Anthem video thumb.jpg 
      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.