BIELFIELD MOSKOWITS GROUP

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BIELFIELD MOSKOWITS GROUP

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Merrill Lynch
Wealth Management

Are You Ready?

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The Bielfield Moskowits Group

The Bielfield/Moskowits Group focuses on providing customized advice and guidance to make sure YOU ARE READY!

Based in the Miami At The Falls Merrill Lynch office, our mission is to effectively assist clients in the identification of the goals that matters to them.  There is no goal, question, or need too small to make certain that 
YOU ARE READY! 

With our Goals Based Wealth Management practice, we simply and clearly provide the solution to what you are asking of us...that
YOU ARE READY!

Are you now more curious about who we are and if
YOU ARE READY? 

Please read our Philosophy, Approach, and Capabilities sections.

Are You Ready?


It is such a simple question, but sometimes the answers are not so simple.  With our Goals Based Wealth Management practice we utilize a holistic, dynamic approach to serving your goals no matter how big or small they may be.  We simplify the answers to your questions with our human touch (something that has been quite forgotten in this ever faster moving life), but we also have the scale of a global institution of Merrill and Bank of America should you require a depth of knowledge and capability beyond that of our caring local wealth management team.

Rest assured we have the local and global specialists and resources to make certain You Are Ready!

Process

Our team works with YOU!

The Bielfield/Moskowits Group has extensive experience and knowledge in the financial disciplines that matter to clients. Our platform is built at the intersection of three distinctive services including:

1. Core Retirement Service - Are You Ready for Retirement?  How much money do you need to retire?  When can you realistically retire?  How much risk should you take?  Are you diversified? With our Merrill retirement outcome tools we analyze how likely you are to achieve and maintain your desired retirement lifestyle. Then we can recommend long-term strategies designed to help maximize the benefits of your retirement funding sources while potentially minimizing taxes.  After you retire, we can help develop investment strategies designed to generate income and assist you in monitoring your spending to help reduce your risk of outliving your resources and eroding your legacy.  We provide reports through a wealth outlook with retirement forecasting models to answer your question of Are You Ready?
 
2. Third party investment management consulting - Are Your Investments Ready? Drawing on a wide array of third-party providers, both within and beyond the bounds of the firm, we develop a "core" investment portfolio that targets your investment goals while taking into account your objectives, risk tolerance, liquidity needs and time horizon. Our team employs the keep it simple methodology by utilizing investments people understand and can relate to.  When you wake up in the morning the first thing most people do each day is brush their teeth or turn on their smartphone.  When you think about the companies you use each day of your life and the money you give to these companies whether powering your home through a utility, or putting gasoline in your car, or even the cup of coffee you might buy to start your day, our asset allocation and manager selection (the core of our investment strategy) typically includes larger, familiar companies that pay dividends, or managers and ETFs that contain higher quality companies with good dividend history.  While this is not the only strategy we utilize, it does serve as the largest cornerstone to preparing your investments to achieve your goals.  The most imoportant concept is making sure Your Investements Are Ready to help you realize your goal.
 
3. Wealth transfer strategies and cash flow management - Are You Ready For Each Day? Working with Bank of America banking and trust and estate planning specialists and your attorneys and accountants, we can help you find strategies designed to help minimize estate taxes and other banking and trust planning strategies.  We tailor day to day banking services1 including home financing, secure web based bill payment services and trust administration.  Whatever the income and spending strategy for each day is we have the access to banking and lending and trust services from Bank of America, N.A. to help you to Be Ready for Each Day!
 

1Banking products and services provided by Bank of America, N.A.

Are You Ready?

Our success comes from our commitment to:

  1. Listening to clients explain their needs
  2. Devoting the time, energy, and access to Merrill and Bank of America resources to customize strategies to help meet clients' needs
  3. Being available to answer questions or assist in times of crisis
If these expectations are achieved, we believe we will have a client for life.

Are you Ready? If so, we hope we have inspired you to consider meeting our team to learn more.

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.

Jason T Albano

Jason T Albano

Trust Specialist

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Carlos Sacerio

Wealth Management Lending Officer, NMLS #1285843

Dorothy Cecilia Remy

Dorothy Cecilia Remy

Retirement Specialist

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to 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.

    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 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

      *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. Merrill Lynch Wealth Management 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 Wealth Management 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 Wealth Management Advisor.

      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, 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.