Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Learn more about an advisor's background on
A commitment to outstanding service
Our team understands that affluent investors and prominent companies expect and deserve a higher level of service. We think you'll find our service commitment is clear in every interaction we have with you, no matter how small the matter. Whether we are helping you with integrated wealth management or assisting you in selecting a platform for a multimillion dollar retirement plan, we make your priorities our priorities. We know the importance of these assets—and how much depends on proper execution of the strategies we create with you.
Communication you can count on
Moran, Cozzi, Singal & Associates understands the desire for clear, timely communication and open dialog. In addition to our regularly scheduled financial reviews, our team is happy to meet with you to discuss and offer feedback on any financial matter. We also work to provide you with timely updates on any market or economic changes that could affect your financial outlook.
While we help individuals and businesses manage their assets for the future, that's only the beginning. Our team can offer you access to strategies across the financial spectrum. No matter where your life or business takes you, we can help you maintain focus on what you value most.
Investment services, banking services—personal service
Because we work with clients holding significant assets, we can—through the investment insights of Merrill Lynch and the banking convenience of Bank of America—offer you access to a customized suite of high-level financial services. Our team can offer individual clients approaches to asset allocation, wealth management strategies, estate planning services and retirement planning services, as well as insurance and risk management strategies. In addition to retirement plan services, we can help with business valuation and succession strategies. We can also provide access for corporate clients to Bank of America cash and investment management, treasury services, equipment financing and lines of credit as well as help with business valuation and succession strategies.
An open investment platform
Through Moran, Cozzi, Singal & Associates, both individual and corporate clients have access to Merrill Lynch's open investment platform. We can assist with investment strategies and wealth preservation strategies using domestic and international equities, fixed-income, mutual funds, exchange-traded funds, alternative investments, annuities and life insurance.
Because Moran, Cozzi, Singal & Associates works with affluent families across the country, chances are we've seen your financial challenges before. This insight helps us offer individualized strategies based on your outlook and financial personality.
We can help families pursue their financial goal of developing their assets over time. They may also have business interests, deferred compensation or other tax-deferred assets, or legacies from inheritance or trusts. We can offer long-term portfolio recommendations designed to help maintain your core wealth structure, while seeking smart, sensible growth. We also look at various ways to help you manage your risk, taking into account the potential hazards of income loss, taxes, inflation or the unexpected passing of a key provider.
Retirement planning services
Moran, Cozzi, Singal & Associates has worked extensively throughout the retirement arena, so it's no surprise that affluent individuals approaching retirement have sought our advice and guidance. We offer highly customized strategies to help you pursue the kind of post-working life you want. We look at what kind of lifestyle you envision, where you want to live, how extensively you will travel, and what kinds of health care savings you will need. This understanding helps us offer you a range of income and distribution options tailored to your needs and goals, no matter where retirement may take you.
Your financial management
Regardless of where you are in your life or career, we believe informed financial management is essential to helping you keep more of your assets and income. We can show you where we think you may be overspending on taxes, debt and other expenses and obligations In collaboration with your tax and other professionals, We can help you bring together key aspects of your financial life into a single over-arching structure that evolves as your life changes.
At Moran, Cozzi, Singal & Associates we believe that true financial success is achieved when you are able to make the investment-related decisions and trade-offs that will help you reach personally meaningful goals. While benchmarks such as stock and bond indices can be useful tools for evaluating investment performance, focusing on what matters most to you—such as a child’s education, buying a new home, or preparing for income in retirement—can help you and our team collaborate to invest in a way that best addresses your unique set of concerns and goals.
Our approach, Goals-Based Wealth Management (GBWM), puts you, rather than the market, at the center of the wealth management process, as described below. It’s designed to help bring to light your concerns and priorities, translate them into personally meaningful financial goals, and then develop a strategy to pursue them.
Using an understanding of your life as a foundation—your priorities, goals, and resources—we can recommend appropriate financial solutions to help you pursue your goals, assist you as you track progress toward reaching them, and work with you to adjust your strategy over time as needed.
Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch 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.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
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 strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy 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.