Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.
Our purpose is simple, it’s to help make financial lives better — it’s who we are and what we do.
Approach
Working with us means working with advisors truly dedicated to helping you pursue what matters to you and the success of your organization. Our approach is simple, transparent and supported by insightful investment guidance. Helping you pursue your goals and the goals of your organization starts with getting to know you. Our job is to understand what matters most to you. We’ll work together to create a strategy that reflects your investment personality and is built around your priorities. You’ll have the flexibility to decide how you want your portfolio managed and understand fees associated with each offering. You’ll receive advice and guidance to help you navigate changes in your life.
Caring For Caregivers
Providing professional investment and wealth management advice and guidance and watching you and your families succeed gives us great joy. We look forward to getting to know you and learning more about your hopes and dreams as we explore what is important to you. Our conversations may touch on these seven priorities:
• Health: Managing healthcare expenses, now and in the future • Home: Upsizing, downsizing, remodeling or buying a vacation home • Family: Taking care of your family and other people in your life • Leisure: Spending your free time in meaningful ways • Giving: Volunteering, mentoring others and giving to charities • Work: Working in retirement, selling or starting a business • Finance: Bringing it all together and defining your financial goals
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.
Retirement Benefits Consultant
As Bank of America Retirement Benefits Consultants (RBC), The MDCL Group is one of a select group of highly qualified and credentialed Merrill advisors specialized in defined contribution plans who can add value to your plan by:
Offering access to 3(21) fiduciary services1
Helping you shape your investment strategies
Offering thoughtful advice without a proprietary investment requirement
Providing periodic reporting and helping you understand results and measurements to assist you in managing your plan over time
Working with you to create a plan that is designed to drive employee engagement and positive participant behavior
Assisting in the delivery of employee financial wellness programs and education
Educating employees on connecting their life priorities with their finances to help them pursue what matters most to them
1Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. MLPF&S offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.
Meet the Team
Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
Lisa Anne Cerbone Montalto is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management in Ridgefield, Connecticut. With a passion for igniting positive change in the lives of everyone she meets, Lisa has been creating financial planning strategies designed to address every aspect of her clients' lives for more than two decades. In a world of data and numbers, she strives to be a friendly face and provide the clarity and confidence that clients seek to pursue their financial goals.
Lisa seeks to understand and care for the unique needs and challenges facing medical providers and families today. Leading her team's healthcare professional and workplace solutions initiative. she combines her industry knowledge with financial services acumen to serve the wealth management needs of dedicated physicians, nurses, executives, healthcare institutions and their staffs. Her goals is to help hardworking medical professionals turn a lifetime of work into a sustainable lifestyle and an ongoing legacy so they can have more time to do what they do best: take care of their patients.
Prior to joining Merrill® in 1999, she spent twenty years in the healthcare field, from Graduate Medical Education and patient care program design to executive positions supporting physicians and their practices. She earned her Bachelor's degree with Honors in Government from Wesleyan University and her Master’s degree in Health Services Administration from the University of Michigan School of Public Health in Ann Arbor. Seeking to support her non-profit institutional clients, she has completed the Yale School of Management Women on Boards Certificate Program.
Committed to ongoing education and staying at the forefront of the industry by pursuing multiple professional designations, Lisa is a CERTIFIED FINANCIAL PLANNER™ (CFP®) Certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. She also holds the Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Planning Counselor® (CRPC®), and Certified Plan Fiduciary Advisor™ (CPFA™) designations.
Community, family, and friendship are central to who Lisa is and how she lives her daily life. A dedicated leader and volunteer in her community, Lisa is the proud recipient of the 2022 Bank of America Corporation’s David Brady Community Service Award*. This award is bestowed upon Merrill® employees who exemplify David Brady’s selfless dedication to putting the needs of his clients, colleagues, and community first. Lisa strongly believes that no matter where she is in her life and what type of schedule she currently has, there is always time to find a way to make a difference in someone else’s life.
Lisa is passionate about helping people find the knowledge and resources they need to live their best lives. She volunteers with the Lions Low Vision Centers of Fairfield and New Haven Counties, Inc. to improve access to vision-assistive devices and rehabilitation so people with low-vision can once again do what they most enjoy. She is a past board member of the Danbury Lions Club and served as its chair for eye screenings for Greater Danbury’s pediatric population. She is a past board member and philanthropy chair for the Danbury Regional Child Advocacy Center.
Lisa believes in the power of mentoring and financial literacy. She serves as Mentor Chair and Past President and Philanthropy Chair of the Merrill Lynch Soundview Women’s Exchange. In this role, she co-developed a Financial Literacy Program for Girl Scouts of Connecticut. Within her community, Lisa also volunteered as co-director of the Saint Therese Youth Choir in Danbury, Connecticut, where she enjoyed teaching the joy of choral singing to children ages 4 through 18.
Mother of three, Lisa lives in Brookfield, Connecticut, with her husband and Merrill partner, Jim Montalto. Her hobbies include sculling on Candlewood Lake, wine making—from crush to pour— watercolor painting, mobile app development and meeting inspiring people each year bicycling to benefit Yale New Haven Health - Smilow Cancer Center’s Closer to Free Ride.
*Bank of America Corporation’s David Brady Community Service Award is named for David Brady, a Merrill financial advisor who died in the terrorist attacks of September 11, 2001. He was highly respected for putting the client first and giving back to his community. The award that bears his name was created in 2007 and seeks to honor individuals within Bank of America Corporation Global Wealth & Investment Management who continue to emulate David’s ethos.
Gina Douvas started her career in the Financial Services industry in 1991 and joined Merrill Lynch Wealth Management in 2007. Gina establishes a deep understanding of clients’ needs and goals and creates wealth management strategies to help clients navigate through their retirement. Gina has a particular focus on retirement planning strategies for individuals and retirement plans for business owners and stock option strategies for corporate executives. She also works closely with clients and clients’ tax and legal advisors to help develop strategies to efficiently transfer wealth to the next generation. Gina co-leads the Soundview Women’s Exchange that she cofounded in 2007 to promote career, personal and community development. She is active in her community and supports several philanthropic and volunteer initiatives. Gina graduated from Stony Brook University, Stony Brook, NY where she received her Bachelor of Arts degree in Psychology. She received her Masters of Business Administration in Finance from Pace University Lubin School of Business in New York, NY. Born in Astoria, NY, Gina resides in South Salem, NY with her husband and two children. She enjoys traveling and photography and is fluent in Greek.
*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
With nearly 20 years in the financial services industry at Merrill Lynch Wealth Management, LeVar has guided clients in many areas of their financial lives.
He focuses on offering a comprehensive approach to Wealth Management that begins with listening to a client’s needs and helping to ensure every strategy is grounded in understanding what each client wants to achieve. LeVar provides access to the investment insights of Merrill and the banking convenience of Bank of America to help address the various aspects of clients’ financial lives. As a caring financial professional, LeVar is driven by his passion for delivering excellent service and helping clients pursue their goals.
Today, he continues to provide investment and retirement planning, cash management, insurance analysis, educational planning and business lending services.
LeVar received a MBA from The NYU Stern School of Business (with a triple concentration in Global Business, Marketing and Finance). He earned a Bachelors degree in Finance with a minor in Economics from the College of Mt. St. Vincent. LeVar is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Chartered Retirement Planning CounselorSM designation. In his spare time, LeVar is an avid traveler and has been to several countries and visited 5 continents! LeVar is a member of Free Arts NYC and lives in White Plains, NY.
*Lending Services are through Bank of America, N.A.
I focus on offering a comprehensive approach to managing wealth that begins with listening to a client’s needs and helping to ensure every strategy is grounded in understanding what each client wants to achieve. I provide access to the investment insights of Merrill and the banking convenience of Bank of America to help address the various aspects of clients’ financial lives. I am driven by my passion for delivering excellent service and helping clients pursue their goals.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
My life's work - is dedicated to helping you with yours! I work closely with many Physicians, Business Owners & Multigenerational Families, and find it personally rewarding to know that every day, I get to help these very dedicated people retire the way they want to. My approach to financial readiness is straightforward. Educate and simplify. No over your head lingo. I educate you, put things you need to do in simple terms, & systematically guide you through each step along the way. While my primary focus is on personal retirement & business' 401(k)'s, I apply the same principles and approach to any goal. When you hire me, you also get a 6-person team with over 100 years of combined experience that has the knowledge to stand with you and guide you to whatever it is you may want to accomplish in your financial life. I am also able to serve you as a Portfolio Manager who can help clients pursue their objectives by managing on a discretionary basis my own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, ETF's and third-party investment strategies.
For 44 years at Merrill, Bob Outtrim has been helping his clients simplify their financial lives. He is passionate about educating clients on all topics important to them so they can make better financial decisions. He and his team service a wide range of clients, with a particular focus on medical professional, Yale faculty, and business owners. Bob was born and raised in West Hartford, CT and is a graduate of Tufts University. Today, he and his wife reside in Hamden and enjoy spending time with their four children and six grandchildren. He is an avid reader, with a particular fondness for political biographies as well as historical financial cycles and trends. In his spare time, Bob is an avid tennis player, golfer and skier.
Rob Outtrim began his career with Merrill in 2011. With a particular focus on planning, Rob develops customized strategies for retirement income planning, wealth transfer, and educational saving to help business owners, professionals, and multi-generational families accomplish their financial goals. Rob is passionate about helping clients understand how markets work so that they can make educated decisions that align with their long term plan, rather than knee jerk reactions based off short term market movements. Rob earned his business degree from Saint Michael’s College. Prior to Merrill, Rob was a competitive freestyle skiing coach for Stratton Mountain School in Vermont, where he coached some of the sport’s best young skiers. Today, Rob remains an avid skier, hiker, cyclist, and runner. He and his wife Heidi live in Hamden with their son Brody and their dog Rosie.
“We’ve spent more than 30 years working with successful client families. Their financial lives have become more complex and their time, more limited. To align strategies, we collaborate with clients’ accountants and attorneys. Organizing and facilitating the management of a client’s wealth are responsibilities we take very seriously.”
Since joining Merrill Lynch Wealth Management in 1981, Jim has worked with multiple generations of clients. From 1988 to 1999, Jim served as Resident Manager of the Mount Kisco, New York Merrill office.
Jim is a specially qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch Wealth Management model portfolios and third party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Portfolio Manager may manage his strategies on a discretionary basis. Jim holds a Masters degree from Cornell University.
He and his wife, Lisa Cerbone-Montalto, live in Brookfield, Connecticut with their family.
Robert J. Tarpey, CFA®, Senior Vice President, Wealth Management Advisor and Senior Portfolio Manager, joined Merrill Lynch Wealth Management in 2004. Bob oversees asset management for The Tarpey Barry Group. Prior to joining Merrill, Bob spent time as a Financial Advisor with Morgan Stanley and also as a Financial Consultant at Citigroup Global Markets, Smith Barney Division. His experience ranges from addressing asset management needs of high net worth and ultra-high net worth families, endowments, and foundations, to finding financial strategies for the benefit of institutions in the alternative investment, healthcare, legal, manufacturing, not-for-profit, real estate, and technology industries.
Bob is a Senior Portfolio Manager who can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. A Senior Portfolio Manager may make their strategies available to clients working with other Merrill Advisors. Investment approaches may also encompass traditional and alternative instruments across multiple asset classes in domestic, international, and emerging markets. Bob is a graduate of Fordham University. Bob holds the Chartered Financial Analyst® designation. He is a regular member of the CFA® Institute® and Stamford CFA® Society.
*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment's investment objectives will be achieved. *CFA® and Chartered Financial Analyst® are registered trademarks of the CFA Institute.
Daniel P. Tarpey, CFA – Senior Vice President, Wealth Management Advisor and Portfolio Manager in Merrill Lynch Wealth Management joined Merrill in 2012. Dan is responsible for helping families and business owners uncover and address their asset, liquidity, and liability management needs. Dan received his BS in Finance from Fordham University in 2007. Prior to joining Merrill, he was a Vice President with MBIA in the Insured Portfolio Management division. His responsibilities included valuation, modeling, and remediation of complex structured finance transactions. Dan is a Portfolio Manager who can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. Dan also holds the Chartered Financial Analyst® designation. He is a regular member of the CFA Institute® and Stamford CFA® Society.
Robert M. Tarpey, CFP - Senior Vice President and Senior Relationship Manager at Merrill Lynch Wealth Management is a CERTIFIED FINANCIAL PLANNER professional, a certification awarded by the Certified Financial Planner Board of Standards, Incorporated. Following his graduation from Manhattan College, Robb began his career on Wall Street in 1977. He joined Merrill in 1981 as a Financial Advisor in the Mt. Kisco office. Robb opened the Merrill office in Scarsdale, New York in 1994 as Resident Manager. In 1995 Robb was recognized for his outstanding performance in that role by Senior Management. He has served on numerous advisory boards and councils. Robb assisted the Merrill Technology Group develop and enhance sophisticated portfolio modeling tools. He has successfully coached, mentored and managed many Financial Advisors throughout his career at Merrill Lynch Wealth Management. As a Senior Relationship Manager with the Tarpey Barry Group at Merrill, Robb focuses on customized goals-based wealth management strategies and strategic investment services for wealthy individuals, families and their businesses. Robb also helps clients focus on their unique legacy and estate planning issues, and works with their outside legal and tax counsel in developing intergenerational wealth transfer strategies.
*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Lindsay Hillas is a Financial Advisor focusing on customized wealth management for her clients. Her focus encompasses generational wealth-building, as well as tax minimization and retirement savings strategies. Lindsay’s approach to wealth management is risk-based and comprehensive; and her belief is that financial security should not be left to chance. Lindsay meets with high net worth and emerging high net worth individuals and families to develop a plan tailored to fit their unique situation. She understands each client by helping them identify their needs, educating them, offering possible strategies and overseeing their progress to keep them on track with their goals. Lindsay’s ability to connect deeply with clients by asking thoughtful questions allows her to build long-lasting relationships.
Lindsay began her career in wealth management upon graduating from Fairfield University in 2013, where she received dual bachelor’s degrees in psychology and in communication. She joined Merrill Lynch Wealth Management in 2019 as Financial Advisor with the Linke-Pearson Group. Her role within the team, as a wealth planner, integrates her background and prior experience in risk management with a tailored approach to wealth accumulation and estate planning services. Prior to joining Merrill, she worked with clients to develop wealth and asset income preservation strategies.
Lindsay is a Senior Portfolio Advisor within Merrill IAP, actively holding Series 6, 7, 63, 66 FINRA registrations, as well as a Life, Accident & Health license. Additionally, she serves as the firm’s local accredited insurance professional.
*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. *A Senior Portfolio Advisor can help clients pursue their objectives by managing on a discretionary basis custom investment strategies, selecting from a wide range of Merrill model portfolios and third-party investment strategies.
Omar Dinar is a Financial Advisor and partner at Riehl, Dinar & Associates based in Stamford, CT. He works with his clients to make the complexities of financial life easy to understand.
Omar is a lifelong learner having a B.Sc. in Engineering from the University of Connecticut, a M.Sc. in Finance from Fairfield University, an MBA in Management from Fordham University, and an Advanced Diploma in Financial Planning from New York University. He began his career in Financial Services in 2008 at Lehman Brothers just before the Financial Crises of 2008 and spent the subsequent 11 years specializing in Risk and Portfolio Management. Omar then pivoted to Wealth Management in 2019 at Merrill Lynch Wealth Management where he can best utilize his experience coupled with a passion for portfolio management and to help others.
Omar resides in Fairfield, CT with his wife Melissa, son Anthony, and dog Callie. Outside of work, he enjoys travelling, reading, and watching UConn basketball. He is also a volunteer with the Shriners Children’s Hospital as well as Junior Achievement where he teaches financial literacy to children.
Arisleyda joined Merrill Lynch Wealth Management in 1994 after interning with the Firm during graduate school. Her time in the industry has provided Arisleyda with an understanding of how to best serve you in a variety of challenging markets and economic landscapes. The lessons learned are as valuable to your life as they are your finances. In addition to working with a diverse clientele, Arisleyda has a nuanced understanding of the needs of healthcare professionals who face unique financial challenges due to circumstances such as many having large student loan debt to typically having less money to spend because of upheaval in the economy and high inflation.
Giving back to the community in which she lives and works is a priority for Arisleyda. She is currently a member of the Investments & Wealth Institute™ (The Institute), the Junior League of Greenwich, the Women in Leadership at Hofstra University, Rotary International, UN Women USA and the board of Building One Community, an organization who mission is to advance the successful integration of immigrants and their families
After receiving a bachelor’s degree in finance from the State University of New York at Old Westbury, Arisleyda earned her M.B.A. in International Business from Hofstra University’s Zarb School of Business. In addition to earning the Certified Investment Management Analyst® (CIMA®) certification and the Chartered Retirement Planning Counselor™SM (CRPC™) designation from the College for Financial Planning and the Certified Plan Fiduciary Advisor® (CPFA®) credential from National Association of Plan Advisors (NAPA), Arisleyda holds the FINRA Series 7 and 66 registrations as well as life, health and long-term care insurance licenses. Born and raised in the Dominican Republic, she is fluent in Spanish.
Arisleyda lives in Norwalk, Connecticut with her husband, Ralf. Together they enjoy golf, skiing cooking and the beach.
The MDCL Group is supported by talented specialists who have experience working with institutions and share a strong commitment to guiding investment programs and strategic decision making.
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.
Robert W Outtrim
Forbes “Best-in-State Wealth Management Teams” 2023 Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2019-2022 Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Lisa Anne Cerbone Montalto
Forbes "America's Top Women Wealth Advisors" 2020 and 2021 Published annually Feb- April. Rankings based on data as of June 30 - September 30 of prior year.
Forbes “Best-in-State Wealth Management Teams” 2023 Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Top Women Wealth Advisors Best-in-State” 2022 and 2023 Published annually in February. Rankings based on data as of Sept 30 of prior year.
James J Montalto
Forbes “Best-in-State Wealth Management Teams” 2023 Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2019-2022 Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Allan Winthrop Linke
LeVar D. Brown
Forbes “Best-in-State Wealth Management Teams” 2023 Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Beyond our experience, we offer access to the deep intellectual capital and broad capabilities of Bank of America Corporation and its affiliates. If we identify a need we can’t service ourselves, we can connect you with the people and resources to help you. Through our network of advisors, we strive to deliver strategies to help you manage the day-to-day and long-term responsibilities required in pursuing your institution’s goals. As we work together to address your evolving needs, we can help make the broad capabilities of Bank of America Corporation feel more accessible.
Supporting a strong retirement plan and helping to keep it on track
The retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer, are important to you. We offer the solutions your employees may need to help pursue their financial goals and maintain financial wellness. Our array of resources and experience is designed to help meet your employees’ financial needs in ways that make sense for your company — strategically, operationally and financially. You and your employees will have a team of experienced and passionate advocates for financial wellness on your side. Our team will make your priorities their own so you can focus more on your business.
For Plan Sponsors
Your role as a plan sponsor is more challenging than ever, and it’s not something to face alone. We bring the resources and thought leadership from Bank of America Corporation and its affiliates to bear in helping you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier. We can help you focus on the areas that may be helpful to plan success, including Fiduciary Advisory Services 1 and Education and Plan Services 2 appropriate for your plan.
Fiduciary Advisory Services1
Through Fiduciary Advisory Services, we can help you design and maintain an investment menu.
Investment Policy Statement (IPS)3
Comprehensive due diligence processes to identify appropriate investments
Proactive delivery – online and by your designated advisor – of investment performance reporting every quarter
Report providing fund analysis and market trends.
1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). Merrill offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.
2 Education and Plan Services are non-fiduciary services required for Advisor Alliance clients and optional for MLII clients.
3 IPS service is not available for FAS Discretionary. The plan sponsor is responsible for the approval and final adoption of the IPS.
We think the best financial strategy is one that helps you achieve the outcomes you seek, your aspirations and what matters most to you. To help you make informed decisions, we take the time to ask you questions and listen to you, so we understand your vision of success. We listen carefully because your answers guide us to your best strategies moving forward, providing us with paths to achieving your visions.
The most pressing question in private wealth management is perhaps the same as in medicine: “where does it hurt?” We save you time and effort, so we can provide you advice that makes a difference in your and your family’s life. As practical stories provide you vital information, your financial life story helps us understand what matters to you and how we can best help.
We’re adept at unwinding complexity and letting you know about possible options in clear language.
Our desired outcome for you is straightforward: to focus on your and your family’s financial priorities and so you can focus on the art of medicine and the joys of caring for people.
Whatmakesusdiffer
What Makes Us Different?
Behavioral Finance
Behavioral finance is how our thoughts and feelings influence our financial choices. How you think and feel about financial decisions matters to us. We want to be sure we understand what matters most to you so we can build your investment and wealth plan accordingly. We want to make sure you clearly know financial factors that may influence your decisions so you will make informed choices that serve you and your family best in the long run.
Your approach to investing
Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to you know better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you and to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.
UnderstandingyourG
Understanding Your Goals And Priorities
Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.
In order to deliver the most benefits to you in the shortest amount of time, we ask a series of specific questions to clearly identify the outcomes you are seeking and how you will define success.
Some of these questions may include: Based on your own experience, what financial questions keep you up at night? If you could change three aspects of your financial life today, where would you start? What would you need to do today to feel like you have enough?
When it comes to your money, a little knowledge can go a long way. Start building your financial know-how with Better Money Habits®, in partnership with Khan Academy.
Capabilitiesthat
Capabilities That Deliver Benefits To You
Our business is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but also in areas that go beyond investment management. Our ability to provide access to the investment insights of Merrill, as well as banking services from Bank of America and trust and estate services from Bank of America Private Bank, offers a way to help you manage all of the pieces of your financial life. We view ourselves as a financial resource, helping clients with strategies for transferring wealth to the younger generation.
CaringforCaregiver
Caring For Caregivers
Providing professional investment and wealth management advice and guidance and watching you and your families succeed gives us great joy. We look forward to getting to know you and learning more about your hopes and dreams as we explore what is important to you. Our conversations may touch on these seven priorities:
• Health: Managing healthcare expenses, now and in the future • Home: Upsizing, downsizing, remodeling or buying a vacation home • Family: Taking care of your family and other people in your life • Leisure: Spending your free time in meaningful ways • Giving: Volunteering, mentoring others and giving to charities • Work: Working in retirement, selling or starting a business • Finance: Bringing it all together and defining your financial goals
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.
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