Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Dale A. Waters, Jr. attended Towson University on a full athletic scholarship to play football and graduated with honors in 1991, earning a B.S. in Business Administration with a concentration in Finance.
Dale has been a financial advisor since 1991, and throughout that time he has helped hundreds of families realize their goals through a comprehensive approach to understanding each client’s unique needs and developing a plan tailored to meet those needs. He has guided clients through the Tech Bubble, 9/11, and the Great Recession and helped them to take full advantage of the subsequent recoveries. His experience, knowledge, and personal commitment give clients the confidence they need as they plan for retirement, education, and the rest of their lives.
In May of 2018, Dale, Jr. partnered with his oldest son, Dale III, and the two of them draw upon their strong relationship as they work together to provide their clients with the highest level of service and results.
Dale resides in Hunt Valley, MD and has been married to Sue Waters for over 25 years. Dale and Sue have four children: Dale III, Cassie, Wynn, and Landry and are legal guardians for their nephew, Jack. Dale enjoys spending time with his family, cycling, playing golf and studying politics.
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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.
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 I can help you create a financial approach that reflects your personality. Only then can I 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 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.
We will work to help you stay on track, regardless of what the markets are doing.