In the constantly evolving financial world, many investors see investing as a complex science depending on slick strategies and complicated products — when more likely a less complex and rational perspective will provide the results they seek.
Whether you’re accumulating wealth, or distributing it for retirement, Joe commits to simple and clear strategies at every stage in the investment cycle. To uphold this commitment, Joe delivers logic-driven and time-tested services — from helping manage company retirement plan’s fiduciary responsibility to supporting affluent families’ investment and insurance-planning needs.
Joe is a Merrill Retirement Benefits Consultant. This designation is awarded to a limited number of Advisors who have completed a rigorous assessment process and enable him to advise large multinational publicly traded institutions on 401k and retirement planning needs. This includes experience working with committees and various branches of the committees ranging from internal and external legal counsel as well as payroll and various HR employees to help achieve a positive investment committee and participant experience.
To be a Wealth Management Advisor, Joe had to pass various trainings to help with the most complex needs of families that may have far above average wealth. He works with individuals and families, and committees of these families or their family offices, to help develop wealth management strategies, including investment advice and guidance, as well as wealth transfer strategies for multigenerational families.
Joe has relationships with the firm's Institutional Investments & Philanthropic Solutions group to help advise Endowments and various 501(c)(3) charities with their unique investments needs, as well as providing access to Donor-Advised funds and Foundations. On a continuous endeavor to learn, Joe has completed the Executive Education curriculum at The Wharton School of Business, University of Pennsylvania to hold the Certified Investment Management Analyst®, CIMA® designation from the Investments & Wealth Institute™ (The Institute) , The College for Financial Planning Institutes Corp. to hold the Chartered Retirement Planning Counselor™, CRPC™ designation and National Association of Plan Advisors (NAPA) to hold the Certified Plan Fiduciary Advisor®, CPFA™ designation. Joe has been certified with the Merrill Sports & Entertainment title with the firm to help this clientele manage their unique financial situations, and he has earned the Sports & Entertainment Accredited Wealth Management Advisor™, SE-AWMA™ designation. Joe earned his Bachelor's of Science in 2006 from Weber State University in Utah and a Master's degree in Business (MBA) in 2011 from Florida International University.
Prior to joining Merrill Lynch Wealth Management in January of 2010, Joe worked in private banking, and brings a dual focus on investments and lending (commercial lending and residential loans). Utilizing CMBS and other forms of commercial credit, and conventional home loans, Joe can help make the process less burdensome by maintaining consistent communication and faster response times. Over the last few years, Joe has received recognition, including the following: #87 on the 2024 Forbes Best-In-State Wealth Advisors list for the FLORIDA-Miami(Private Wealth) Region (Published on April 3, 2024. Rankings based on data as of June 30, 2023).*
Joe is married, with their four children, and currently resides in Miami, FL. and holds a basic focus in life of family, faith and finances. In-between work, he enjoys traveling, trying new amazing foods, playing games, telling a good joke, playing 9-ball, watching movies, and having dance parties with his children. * 2024 Forbes “Best-in-State Wealth Advisors” list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and available for investor help in evaluating the right financial advisor. Compensation was not received from anyone for the study. Past performance does not guarantee future results. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC *Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. *Joseph Bowden NMLS#804074) *Institutional Investments & Philanthropic Solutions (also referred to as “Philanthropic Solutions” or “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 Bank of America Corporation (“BofA Corp.”). *Trust, fiduciary, and investment management services are provided by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A. and its agents.
My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you'd like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.
Bringing fresh perspectives to your financial life
The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.
Bringing fresh perspectives to your financial life
The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.
Helping you create a personalized plan
At Merrill, we go beyond the traditional role of an advisor.
- Your goals, concerns and attitude about investing are the foundation of your plan.
- We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family.
- We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.
Giving you access to our teams and solutions
Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with:
- Bank of America specialists, such as mortgage or trust professionals
- Timely insights from BofA Global Research1 to help you stay informed and navigate ever-changing markets
- A full suite of Merrill investing and Bank of America banking solutions
1BofA 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 Corp.").
