Randy "RJ" Johnson, Jr.



Living a better financial life starts with a plan. Randy is focused on providing his clients with high quality wealth planning that creates a seamless experience between their life and their money. Leveraging a decade of experience in business, law, and finance—he is committed to listening to your needs and helping you organize and simplify your financial picture. 

Randy’s passion is helping others achieve their goals. He is a frequent speaker on a number of topics in business and personal finance, and also contributes to various charitable organizations that promote opportunities for our youth.

Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their professional advisors.


    Loyola College of Law

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.

Christopher Fantano

Christopher Fantano

External MSG Specialist

Joseph L Crews

Joseph L Crews

Retirement Specialist

Barbara Deichmann

Barbara Deichmann

Wealth Management Lending Officer, NMLS #112351

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

Value You Can Count On

You and your goals are top priority. Taking the time to engage and listen carefully to your needs reveals your most important values, aspirations, and interests. Together, we'll design your unique financial map to help get you from where you are to where you want to be—helping to turn your goals into reality.

Business Owners

The needs of every business owner are unique. You deserve an advisor committed to helping you manage risk while saving you time to focus on what’s most important—building and protecting your business. Whether your goal is financing a business expansion, establishing an employee benefit plan, or creating a personalized wealth management strategy—we’re committed to deploying every resource to help turn your goals into reality.

Corporate Executives

Executives often balance complex professional and personal goals. Addressing your needs in a time-sensitive manner is a top priority. Whether reducing the risk of a concentrated stock position, navigating and complying with SEC rules, or developing a long-term financial strategy—we’re committed to helping you find the most efficient way to prioritize your goals and take the necessary steps to realize them.

Current & Future Retirees

Retirement is a pivotal moment in your life. It’s important you have enough resources during that time to maintain your lifestyle and focus on the things that matter most to you. Estate and wealth transfer planning services, concentrated stock strategies, investment management, and tax minimization are all important concerns when planning for your retirement. We’re committed to seeing that you’re well-prepared for your best years.

High Net Worth Individuals & Families

Wealth Management requires sophisticated, customized strategies tailored to your unique goals and priorities. We focus on helping you meet your lifestyle needs, cash-flow requirements, and wealth preservation goals. Whether managing healthcare expenses, purchasing or remodeling a home, or donating to charitable causes—maintaining your lifestyle through various economic conditions is top priority.

Professional Athletes & Entertainers

Professional athletes and entertainers lead extremely busy lives. Recognizing the demands of managing your own day-to-day financial needs—as well as your long-term financial goals—we collaborate with your agent, attorney, and/or tax professional to develop your personal financial strategy. Leveraging the vast resources of Bank of America Merrill Lynch offers you easy access to cash, financing and lending services, and estate and wealth management planning services to transfer wealth and preserve your family’s legacy. We’re committed to saving you time and effort while you perfect your craft and benefit from your life’s work.   

A Personal Advisor You Can Trust

It’s important to plan for your financial future, which means getting more than investment advice. You benefit most from a one-on-one relationship with an advisor dedicated to knowing who you are and what you want to accomplish. Someone who knows how hard you worked to get where you are and how you define a successful life. Advice and strategies should be guided by what’s most important to you—and your advisor's success should be measured by your satisfaction over time.


We believe that to feel good about your finances, you need to know exactly where you are, where you want to go, and how much you may need to get there. I work with you to develop a customized financial strategy, drawing on the best thinking of our firm, to help you with your financial future. I will make it clear what you're paying for and what you're getting. As your life and the markets change, we will meet periodically to help make sure you're on track in pursuing your goals and to adjust your strategy as needed for the journey ahead.

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.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
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.

    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

    • Your advisor is never more than a click away within our site or mobile apps
    • 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, I can help you create a financial strategy that reflects your personality. Only then can I 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.


    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.

    Transcript of Video   

    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.