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Merrill lynch

Zwick, Dunn & Associates

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Merrill Lynch
Wealth Management


We are a Wealth Management team dedicated to delivering beyond expectations.  The investment and wealth management experience of a global private bank combined with the exceptional service of your neighborhood branch creates a unique one-stop shop.  We pride ourselves on having the capabilities to meet a broad spectrum of needs, ranging from significant estate, retirement and tax planning, to unrecognized checking account transactions.

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Welcome

Your Wealth is all about YOU. Your Wealth is not about US or our FEES. We want to work with you to help maximize every inch of your financial life. Through Bank of America & Merrill our team has created a unique client experience. One that is defined by customization and maximization of the firm's benefits and resources. We care about you- that care extends far past your Wealth Management Investment Portfolio. We pride ourselves on running a Wealth Management practice with the full support of a retail bank. There is no service too big or too small. Our team has spent a combined quarter century becoming experienced in creating a comprehensive Wealth Management practice that includes:

  • Wealth & Investment Management
  • Consumer Banking and Cash Management through Bank of America, N.A.
  • Credit and Credit Card Services through Bank of America, N.A.
  • Retirement and Legacy Planning
  • Trust and Estate Services
  • Customized Lending through Bank of America, N.A.
  • Cash Back Rewards through Bank of America, N.A.

Philosophy

Our number one focus is to help you create or maintain a lifestyle that is supported by your investments and not one dictated by short-term market volatility. Your plan should support your short-term and long-term goals, while also including flexibility to accommodate unexpected costs, tax and life changes, poor market return sequences, and potential asset growth.  

We focus on offering a comprehensive approach to managing personal finances. This goes above and beyond the cookie cutter list of estate, retirement and tax planning strategies. Our process begins with understanding who you are; financially and personally. Using the investment resources of Merrill and the banking convenience of Bank of America we will help you create the most optimized plan for your money. Whether it is a cent of interest or a credit card reward point my goal is to leave nothing on the table. We want to be of service for all financial matters; big and small.

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Approach

Our approach to investing is grounded in an understanding of you. It all begins with a conversation. We take the time to get to know you — your children's names, how hard you worked to get where you are and how you define success. We'll work together with you to help understand your personal investment style, prioritize your goals and build an individualized plan that reflects your needs. As an investor you can benefit from the investment insights of Merrill, along with access to trust and fiduciary services from Bank of America Private Bank and credit and lending solutions from Bank of America. There’s only one financial approach that really matters — yours.

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.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

We 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. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.

  • We leverage our entire Bank of America, Merrill enterprise to deliver the investment and wealth management experience of a global private bank with the exceptional service of your neighborhood branch.

    Our number one focus is to help you create or maintain a lifestyle that is supported by your investments and not one dictated by short-term market volatility. Your plan should support your short-term and long-term goals, while also including flexibility to accommodate unexpected costs, tax and life changes, poor market return sequences, and potential asset growth.  

    We focus on offering a comprehensive approach to managing personal finances. This goes above and beyond the cookie cutter list of estate, retirement and tax planning. Our process begins with understanding who you are; financially and personally. Using the investment resources of Merrill and the convenience of Bank of America we will help you create the most optimized plan for your money. Whether it is a cent of interest or a credit card reward point our goal is to leave nothing on the table.  We want to be of service for all financial matters; big and small.
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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.

Sheri Chafetz

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #413923

Chris Santos

Wealth Management Banking Specialist

Merrill

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.

    #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

      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.

      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.


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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.

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      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.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.