Grossman Benharrouch and Associates

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Merrill Lynch

Grossman Benharrouch and Associates

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Simplified Guidance for a Complex Financial World

Grossman Benharrouch and Associates

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Knowing you to better guide you

Our team is a dynamic group of forward thinking professionals. Our complementary skills match the diverse needs and backgrounds of clients looking for both financial guidance and a modern full service banking experience. By running our team like a boutique within a larger institution we’re able to offer uncompromised service with a personal experience.

Our philosophy centers on knowing our clients and paying attention to the details that matter – understanding “why” they are investing. We take joy in watching clients fulfill their dreams and take pleasure in guiding clients on how to preserve and grow their wealth.

With both domestic and international experience our credentialed team focuses on providing custom strategies free from proprietary products. We guide clients using data driven analysis coupled with behavioral finance to blend the “art and science” of investment management. This disciplined approach provides a framework to guide clients of each generation of a family with different levels of experience.

Approach

We approach each client and family member on an individual basis as their own unique circumstance.  The trust clients hand to us is a responsibility we take seriously – it is our job to understand their situation and guide them to a strategy that fits their needs, personality, and family structure.

Providing a boutique experience means we remain directly connected with clients through in-person meetings, regular communications, and award winning technology.  Each client has a key contact on our team to be their first call as well as the support of each of our teammates to advise on their needs.

Capabilities

The team is well credentialed, our leadership holds a Chartered Financial Analyst (CFA®) designation, Certified Portfolio Manager (CPM®) designation, and a Masters in Mathematics with a focus on Finance.  The skills, ethics, and education learned through these programs directly influences the disciplined process we follow with clients. 

Our process centers on three key areas: Planning, Investment, and Lending:

Planning

We believe a detailed financial plan helps clients see the big picture and focus on long and short-term goals rather than market fluctuations. We utilize sophisticated technology to simplify our client’s plans to one page what we call a Wealth Outlook.  For clients with a specific lifestyle goal this tool brings confidence to their ability to achieve their dreams.

Investments

We recognize asset allocation and diversification are the most important determinants of investment performance.  We then overlay dynamic strategies that are adapted to client’s evolving goals and changing market conditions – periodically checking in with clients to ensure their goals and allocation are in sync. All of this is done with the end goal of preserving and growing the wealth of clients over time. 

Lending

We offer a customized approach to meet the unique financial needs of wealthy clients. Using a broad array of assets as collateral, including liquid and non-traditional assets, loans can be personalized to each client's specific goals and objectives.  Whether it be to purchase a business or commercial real estate properties, a yacht, airplane, artwork, or multi-million dollar home or simply bridge cash flow needs; we provide access to customized lending solutions through Bank of America, N.A to meet the circumstance.

Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Ruben  Benharrouch

Ruben Benharrouch

Senior Financial Advisor

305.347.2514
Ethan S Grossman

Ethan S Grossman

Senior Financial Advisor

305.347.2573
Corey B. Daniels

Corey B. Daniels

Financial Advisor

305.347.2543
Anne C Rochael

Anne C Rochael

Client Associate

305.347.2511

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

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 strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.





Transcript of Video

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.