Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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.
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!
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!
Our success comes from our commitment to:
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.
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.
Bank of America, N.A.
Wealth Management Lending Officer
Bank of America, N.A.
Learn about the MyMerrill Mobile App.
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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities
It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click
You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features
Your advisor is a click away through our Secure Inbox and texting application
Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income
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.
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.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.