Tune out the noise: Wealth planning for the year ahead

Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.

Watch now

Robert Tweeddale, CEPA, RICP, CDFA, CRPC

Vice President
Senior Financial Advisor

Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management

My wealth management philosophy places the investor front and center - while maintaining a focus on the market.

Profile

Before joining Merrill Lynch Wealth Management in 2015, Robert spent 20 years being educated at what he calls “Wall Street University” – working for Goldman Sachs and RBC Capital Markets. At these firms, Robert “battled in the trenches” of equity trading floors, honing his problem-solving skills and developing a first-hand understanding of how the markets work.

Today, Robert assists a successful clientele that can benefit from his rich experience, extensive financial knowledge, and ability to help optimize their wealth in ways they find meaningful. His clients include financially astute individuals, as well as those not as well-versed – fellow financial professionals, active and retired business owners, corporate executives, physicians, attorneys and generations of their families in Florida, New York, New Jersey and ten other states.

Robert also serves a growing circle of divorced and widowed women. This is due in large part to his early life. Robert’s father passed away in 1991 and Robert’s mother was unable to find a trustworthy advisor who would suggest suitable investments. Recognizing that women who experience difficult life transitions may require an extra measure of care and objective guidance, Robert goes out of his way to explain how these clients can take “simple steps” and regain their financial footing.

Having a front-row seat on Wall Street to decades of market volatility and resilience, Robert reminds clients that “staying in the market and sticking with a disciplined strategy” is critical to achieving positive, long-term outcomes. He is also a strong proponent of clients having a single advisor who can consolidate their assets and deploy them in the most cost-efficient and tax-efficient manner.

Robert has a natural affinity for educating clients – especially when complex strategies demand straightforward explanations without industry jargon. In client discussions, he is proud to be transparent and proactive. Seeking ways to help clients use debt wisely, for example, he can provide access to residential, securities-based, marine and real estate lending through Bank of America, N.A. When helpful, he also coordinates with clients’ CPAs and attorneys to align tax-minimization and estate planning strategies. He leverages the resources and intellectual capital of both Bank of America and Merrill to assist his clients and their families in creating personalized financial solutions based upon their risk tolerance, time horizon, liquidity needs, overall investment goals and the associated costs. His process entails a disciplined approach to help small-to-middle market business owners with sell-side advisory solutions and post-sale wealth planning.

Robert has earned the Chartered Retirement Planning Counselor, CRPC® designation, the Certified Divorce Financial Analyst®, CDFA® certification, the Retirement Income Certified Professional® (RICP®), and the Certified Exit Planning Advisor (CEPA) designations. He helps business owners who are going through transitional phases in their lives.

 
Originally from the New York/New Jersey area, Robert lives in Palm City with his wife, Corinne, and their son and daughter. In addition to family time, Robert is passionate about playing Pickleball, golf, coaching baseball, and giving back to the community. He serves on the advisory board and is chair for the Boys & Girls Club of Martin County Character Counts! (a collaborative of community organizations, schools, businesses and individual citizens committed to the development and enhancement of individual and community character).


*Robert Tweeddale NMLS ID 1408392

  • EDUCATION

    Saint John Vianney

    Indian River State College

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.

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.

Cecilia Remy

Retirement Specialist

Bank of America, N.A.

Sameer Derashri

Wealth Strategist

Merrill

Alejandro Vallejo

Wealth Management Banking Specialist

Merrill

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

Approach

I begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Capabilities

My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by 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.”).

Focus On Individuals, Families and Small Businesses

I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I start by getting to know you and how you feel about the following seven life priorities.

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

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

Philosophy

I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Welcome

My mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. I help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. My wealth management approach is about using wealth to help turn goals into reality.

Staying on Track

We understand that both your life and the financial markets can change over time. By 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.



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.



    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.

    DigitalMerrill2.png 
    Transcript of Video
    #DigitalMerrill

    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

      We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue your goals.

      Request Appointment

      Articles

      DISPLAYING:

      CIO Market Update Audiocast Series

      Where are you on the road to retirement?

      Market Briefs

      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.


      MLBrochure.png

      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.

      Anthem video thumb.jpg 
      Transcript of Video 

      No question too big or moment too small

      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      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.