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Ruben Benharrouch



Ruben is a First Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management. After starting his financial career as an investment analyst in a fund of Hedge Funds in Florida in 2008, he joined Merrill in 2011. Ruben focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client's needs and helps to ensure every strategy is grounded in understanding what each client wants to achieve.

Ruben graduated from the University Paris IX Dauphine and the ENSAE (Paris Graduate School of Economics, Statistics and Finance) in 2007 with Master’s degree in Statistics and Mathematics applied to Finance.  After successfully completing the education component at Columbia University, Ruben received the professional designations CPM® awarded by the Academy of Certified Portfolio Managers.

French-born, Ruben is an American citizen and he speaks English and French fluently and conversant in Spanish. Ruben has lived on three different continents, providing him access to a range of cultures that have influenced his multidimensional business perspective and client’s servicing. Married and the father of three children, he likes to spend quality time with family and friends.


    English, French & Spanish


    University Paris IX Dauphine

Professional Staff

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

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Knowing you to better guide you

Benharrouch 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.

*Banking products and services provided by Bank of America, N.A.


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 cutting-edge 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.

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


We believe a detailed financial strategy 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.


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 help 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. 


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 have customized lending solutions through Bank of America, N.A. to meet the circumstance.

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.

Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
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 I can help you create a financial approach that reflects your personality. Only then can I 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.


      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.