Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
Our team’s mission is to be an insightful resource for clients as they accumulate and preserve their wealth. We focus on several areas of wealth management including retirement income planning, legacy and estate services, education funding, health care planning, liability management, and tax minimization strategies. We also offer concierge access to personal and private banking, lending services as well as commercial banking through Bank of America and Bank of America Private Bank.
As Merrill Lynch Wealth Management Advisors, we are dedicated to our client’s success and work together to create a strategy built around their priorities. Our approach is simple, transparent, and supported by thoughtful investment guidance. We also coordinate with our client’s other professionals; such as estate attorneys, CPAs, insurance agents, etc., to offer one cohesive strategy and to ease the communication overload.
As a Valaes, Carruthers, & Associates Wealth Management client, you will receive the following benefits:
• A customized portfolio tailored to your financial needs
• Assistance determining the proper course of action with various financial decisions
• Frequent portfolio analysis
• Generational estate planning services
• Net worth and balance sheet analysis
• Investment opportunities and risk mitigation strategies
To make life a little easier, we offer a number of online capabilities through MyMerrill.com & the MyMerrill mobile app. As a Wealth Management client, you will have real-time access to your investment account show, when, and where you want them.
Online capability features include:
• Portfolio summaries
• Mobile bill pay
• Viewing account history
• Transferring funds between accounts
• Accessing BofA Global research & insights reports
• Viewing real-time stock quotes
• Securely sending confidential documents
• Encrypted storage of personal documents via our Documents Vault
• Aggregating various outside accounts in one location
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Forbes “America’s Top Next-Generation Wealth Advisors” 2018
Forbes "Best-in-State Next Generation Wealth Advisors" in 2019
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.
Senior Wealth Management Lending Officer
Bank of America, N.A.
Wealth Management Banking Specialist
November 18th, 2020|5:30 PM - 6:30 PM EST
Join us virtually on Wednesday, November 18 at 5:30 PM EST as Derek Harris, Managing Director and Head of Global Wealth Management Portfolio and Investment Strategy for BofA Global Research, discusses his outlook on the markets, with a focus on Merrill’s research analysis. Some topics he will be covering include the U.S. Consumer, current political landscape in the economy, global supply chains moving back to the U.S., and technical analysis of the markets.
September 17th, 2020|4:00 PM - 5:00 PM EST
Join us virtually on September 17th at 4:00PM EST as Jim Carlisle, Senior Vice President of Federal Government Relations, analyzes the impact of pending legislation with a focus on tax issues and what we can anticipate in the the future. In his role, Jim has the responsibility for managing the bank’s relationship with federal elected officials, working closely with business units to analyze the impact of pending legislation, and developing strategies to promote public policies that benefit bank customers, associates, and shareholders. Prior to joining Bank of America in 2008, Jim was a director with the Federal Policy Group, a consulting firm representing businesses before Congress and the Treasury Department on federal tax legislative and regulatory matters.
October 8th, 2020|2:00 PM - 3:00 PM EST
Join us virtually on October 8 at 2:00PM EST as expert panelists explore the issues shaping the election and share their opinions on how different outcomes could affect economic policy, the markets and economy in the months to come.
What the experts will cover:
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
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.
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.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we 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.
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.
We will work to help you stay on track, regardless of what the markets are doing.
We get to know you and your family, your financial situation and what matters most to you.
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.