Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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Merrill lynch

Acker, Fridmar, Zhen & Associates

Wealth Management
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Merrill Lynch
Wealth Management

The advice you need for tomorrow may be very different than the advice you have received to date. That’s why we’ll have as many conversations as it takes to help make each piece of your financial puzzle fit.
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Welcome

Life is a journey- the dreams you realized and some you have yet to accomplish. Do you have a roadmap to help get you there? It’s a matter of fitting your “puzzle pieces” together—pieces that represent actions you’ve taken and investments you’ve accumulated—which can be turned into a “big picture” of what may lie ahead.  We take pride in possessing the experience and perspective that can help turn your goals into reality…and we can help you navigate the many cycles of life.  We believe that when you succeed, we succeed.

The intersection of wealth, health, family and business can be a source of opportunities and challenges. Our team can assist you in identifying goals and addressing thoughtful financial strategies designed specifically for your future.

Approach

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.

The Big Picture

Here’s what we think can come next for you

Work with us. Let us help you put your individual puzzle pieces into that “big picture” you may have dreamed about for so long.

We believe that with our assistance you can effectively face life’s changes, financial challenges and opportunities.

We believe that your investments should be a reflection of you — your life, your priorities, your goals. As your dedicated advisors we will get to know what matters most to you and help you define your goals. We use this understanding to help you build a customized financial strategy and offer ongoing, personalized advice. Combined with professional management and regular reviews, you can stay on the right path towards pursuing your long-term objectives.

Everyday Can Become a Saturday

People are living longer than ever before, which means there is much more time to pursue passions and interests. We help individuals and families take the steps they need to follow everything from professional ambitions to long sought-after leisure activities. We take the pieces of your financial puzzle, learn all about your priorities and help develop the customized strategies intended to make them a reality. Over time, we will measure your progress together, making adjustments, as needed, to help keep your post-career activities stay on track.

  • I emphasize knowing a client well; to help build and implement a wealth management strategy that addresses life priorities and issues. But strategies are not fixed or static. As time goes by, changes will occur to your family or personal situation, unanticipated challenges—and opportunities—will arise, and you will have to navigate the inevitable twists and turns of life.

    Susan E. Acker CRPC®, Senior Vice President, Wealth Management Advisor
  • “While we strive to help your financial life run smoothly, we are also longtime proponents of supporting clients’ emotional health and physical wellness. By assisting you in these three areas, we believe your focus can be directed to where it may be needed the most – helping family, friends, business colleagues and the community in which you live. ”

    Leon Fridmar, CPFA™, CFP®, CDFA®, Senior Vice President, Wealth Management Advisor
  • "Our team is committed to an unwavering culture of service which drives our interactions with you and your family. We strive to address your needs comprehensively and completely”

    Erica Zhen CRPC®, Senior Vice President, Senior International Financial Advisor
  • “Your path forward may not be in a straight line. I strive to be by your side every step of the way, helping you follow your strategy or make course corrections based on how you want to live your life and the legacy you wish to leave.”

    Timothy Acker CFP®, Assistant Vice President, Senior Financial Advisor

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Susan Acker

Forbes "America's Top Women Wealth Advisors Best-in State" 2022
Published on February 4, 2022. Rankings based on data as of September 30, 2021.

Our Group

Supported by the global resources of Merrill, our group 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.

Ricardo Brasil

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #481125

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.

      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.