Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
The Ruben Group is a boutique-style banking and investment group inside of Merrill Lynch Wealth Management that focuses on helping a select number of families and individuals create a disciplined strategy for achieving their most important financial and life goals. The Ruben Group is dedicated to delivering hands-on attention and crafting a plan that brings clarity to clients, so they understand where they stand in relation to their goals in a measurable way, irrespective of market conditions.
Before customizing any strategies, we work to have an in-depth perspective of our clients life visions, while also providing them the education and insight to understand not only the “what,” but the “why” behind their financial pursuits. Our team spends the necessary time to understand our clients as investors and individuals — and the motivations driving their financial decisions — which we believe is one of the most important stages of investment planning. We serve the whole client – from the day to day needs to lifelong aspirations. Along with our team of internal specialists, our team works closely with your other trusted advisors, including attorneys and accountants, to address tax, trust, philanthropic and estate planning issues, to truly become an essential resource.
We are honored to work with uniquely successful people who have worked hard to accumulate their wealth. We are cognizant of their efforts and view wealth preservation and prudent growth as key objectives. We recognize that true wealth does not last a single generation; rather, by building the foundation of wise stewardship, we help clients pursue lasting legacies for generations to come. The diversity of the Ruben Group reflects the diverse backgrounds of our clientele. Our team is fluent in French, Spanish, Vietnamese, Hebrew, Turkish, and English.
We live in a world that's constantly changing. Markets can fluctuate frequently. Potential investment opportunities can arise daily. Regulations are amended. That's why we believe that you and your situation are the best starting points from which to help plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because by understanding you and your priorities, we can more effectively offer our experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.
We 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, we 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 us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we 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.
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.
Our 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. Our 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. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.
We can offer advice and guidance designed to assist you in making 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, We’ll start by getting to know you and how you feel about the following seven life priorities.:
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.
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Forbes “Best-in-State Wealth Advisors” 2018, 2019, 2020
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.
September 29th, 2020|1:00 PM EST
The rising cost of health care has become one of the largest and most complex issues facing our country. In fact, it’s likely to be one of your greatest expenses in retirement. And while it ranks as a top concern, most Americans aren’t thinking about—much less planning for—their health care costs in retirement.
We invite you to join The Ruben Group and Emily Dupre, Regional Director at MFS, and Steven Calandra and Roberta Eckert from the Nationwide Retirement Institute to learn more about Social Security and Medicare and how to understand and make the best out of your options.
DATE: Tuesday, September 29, 2020
TIME: 1:00 p.m. – 2:15 p.m. Eastern
HAVE A QUESTION YOU WOULD LIKE TO ASK? PLEASE EMAIL IT TO: firstname.lastname@example.org
December 17th, 2020|2:00 PM - 2:30 PM
Outlook 2021: A World in Transition
What a vaccine, changes in Washington and a shifting geopolitical landscape could mean for the global economy, the markets and our financial lives.
The events of the past year are reshaping our lives in unprecedented ways. Watch experts discuss what it all could mean for the future, and offer steps investors could consider now to prepare for the coming year and beyond.
Topic areas include:
• Outlook for the U.S. economy and the markets
• Priorities for the new U.S. administration and Congress
• What a vaccine could mean for our future
• What’s ahead for trade and foreign policy
• How innovation and change are accelerating investment trends
• Steps investors could consider now to prepare
Click Here to Register
December 10th, 2020|12:50 PM - 2:00 PM EST
We invite you to join the Ruben Group and Neel Mukherjee, Head of Portfolio Strategy for the Chief Investment Office at Merrill, on a WebEx, Thursday, December 10th 2020 at 12:50 pm Eastern. The call will feature a discussion on BofA Global Research’s views on the impact of the election as well as a market outlook for 2021 and beyond.
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 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.