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The Kielt Ullo Group

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Merrill Lynch

The Kielt Ullo Group

Wealth Management
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Merrill Lynch
Wealth Management

At The Kielt Ullo Group, we purposely built a team that was designed to allow us to spend whatever time was necessary, when necessary, to help our clients achieve their financial goals. With an understanding of your unique priorities and financial situation, we will work together to develop a customized financial strategy designed to help you pursue what’s most important. When you succeed, we succeed.

The Kielt Ullo Group

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Our approach is simple and transparent

Led by two CERTIFIED FINANCIAL PLANNER™ practitioners*, The Kielt Ullo Group strives to bring simplicity and transparency to the complexities of your financial life.

Working within Merrill allows us to provide clients with both the premier service similar to a boutique-like private bank and the intellectual capital and resources of a global financial services firm.

We advise and guide clients in multiple areas of wealth management, including: retirement income planning, investment management, concentrated stock management, and access to personal banking through Bank of America, N.A., among others.

Customizing our approach based on the unique needs and goals of each client will enable us to advise them on how to effectively manage their wealth. Throughout this process is a passion to provide an exception level of client care and service.

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Understanding your goals & objectives

We start by taking the time to ask hard, smart questions and to listen carefully, then to understand exactly where your wealth stands today and where you’d like it to be tomorrow.

We then help you design, implement and regularly review a customized wealth management strategy that helps you pursue goals such as:

  • Cash flow in retirement
  • Education funding for children and grandchildren
  • Covering potential health care costs
  • Taking care of your family and other people in your life

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What to expect from our team

  • Customized Wealth Planning: We identify what is most important to you and you receive tailored strategies based on your needs and comfort.
  • Portfolio Management: Our investment platform is truly open architecture meaning we offer access to leading investment managers and strategies.
  • Estate Planning Tools, Trust Services & Life Insurance: Working in collaboration with internal Merrill specialists, we consult with clients and their legal advisors to help ensure that their planning objectives complement their desired goals and vision for building a family legacy.
  • Banking & Lending: We can facilitate and take care of all credit and balance sheet management including home financing, credit cards, basic banking, bill payment etc. A wealth management strategy employs banking and lending solutions to fulfill personal and business-related goals. We are uniquely positioned to provide clients with access to mortgages, lines of credit and securities based lending through Bank of America, NA. (NMLS ID 484187)

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Who we work with – and for

The core of our client base is affluent individuals and families.

Our team also brings specialized strengths in the area of equity compensation, including stock option and restricted stock strategy and analysis, 10b5-1 trading plans and concentrated stock management.

Our goal is to be your primary source for financial advice and guidance. We want you to value the dedication and diligence we provide at each step of the wealth management process.

While many clients are concentrated in the Boston area, we work with individuals and families across the country.

Meet Our 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.

Julie Shea

Julie Shea

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #484187

Timothy Fitzpatrick

Timothy Fitzpatrick

Insurance Specialist

Merrill Lynch

Vic Diune

Vic Diune

Trust Specialist

Bank of America, N.A.

Your Financial Approach

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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

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.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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.

      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.