Taking care of your family and other people in your life
- Trust & Estate Services4
- Education Funding1
Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.
We take the time to listen and learn about the needs and goals of your institution and the people it serves – it’s these real-world insights that guide our strategies and personalized service.
RWG 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.
Structured Credit Executive
Bank of America, N.A.
mission is simple: to help institutional investors pursue their goals through insightful investment guidance and thoughtful management of their financial assets.
We can offer boutique-like attentiveness and accessibility combined with the global perspective and industry experience of Bank of America Global Institutional Consulting. Our team is passionate about helping clients strengthen and grow their organization, and helping institutions fulfill their goals and missions. When you work with RWG Group, you can expect a high level of commitment, teamwork, personalized service and customized strategies.
As a Bank of America Global Institutional Consultant, Retirement Benefits Consultant, or Equity Plan Consultant, the FRWG Group is among a select group of highly qualified and credentialed consultants who can provide the in-depth knowledge and customized service and assistance institutional investors need to navigate today’s financial landscape and be responsive to evolving market trends.
As a Bank of America Equity Plan Consultant, RWG Group can help support your equity plan administration needs. In addition, we can help you position your company as an employer of choice in today’s market for talent while helping your employees manage their equity awards. We can help explain the choices equity plan participants have when exercising equity awards and provide guidance on individual wealth and retirement planning needs.
As Bank of America Retirement Benefits Consultants (RBC), RWG 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:
Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
At Bank of America, we take the time to listen and learn about the needs and goals of your institution and the people it serves – it’s these real-world insights that guide our strategies and personalized service.
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.
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.
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.
Designing and administering equity compensation plans is a challenge for many companies. While offering a plan helps you create an ownership culture, managing that plan may require additional expertise. At Bank of America Merrill Lynch, we understand your need for a total equity compensation plan that creates value for your company and its employees. We know the stakes are high — and we have the experience and resources to help you deliver a successful program.
We can support you and your employees with your equity compensation needs, including:
The Award Choice Financial Reporting™ solution is an on-demand, web-based application that provides customized, comprehensive reports and helps to fulfill your ASC 718 requirements.
With an Employee Stock Purchase Plan (ESPP), corporations can make it possible for employees to purchase company stock at a discount to the fair market value of the stock.
We can help your executives design and implement a Rule 10b5-1 trading plan, enabling systematic selling or purchasing of company stock at regular intervals.
Implementing a Rule 10b5-1 Trading Plan does not prohibit or prevent legal or regulatory action related to the trades. Trading plans are intended to demonstrate that the purchase or sale of a security of any issuer was not on the basis of material, nonpublic information about that security or issuer and therefore, not in violation of section 10(b) of the Securities Exchange Act of 1934and Rule 10(b)-5.
We understand the unique needs and challenges your officers, directors, and insiders face in managing their equity awards and transacting in company stock. Your insiders will have access to an advisor who understands the complexity of equity awards and the regulations that may govern their transactions; and who can provide the assistance your insiders will need to get the greatest benefit from their awards.
AwardChoice Financial Reporting™ is also commonly referred to as ACFR. Customization of ACFR reports solely relates to report format and appearance. The manner in which information in ACFR reports is grouped, sorted, filtered and the order in which data appears in the report, along with the format of the report, can be customized to match user preferences. ACFR report customization does not provide for or allow custom calculations to be performed in the course of running reports in the system
Implementing a Rule 10b5-1 Trading Plan does not prohibit or prevent legal or regulatory action related to the trades. Trading plans are intended to demonstrate that the purchase or sale of a security of any issuer was not on the basis of material, nonpublic information about that security or issuer and therefore, not in violation of section 10(b) of the Securities Exchange Act of 1934 and Rule 10(b)-5.
We put the resources and intellectual capital of Merrill to work for institutional clients like you by delivering thoughtful advice and sophisticated investment strategies through focused client-centric consulting. We help organizations like yours address today’s complex investment challenges through an integrated, goals-based investment process that enables them to redefine success, manage risk and help fulfill their missions.
We provide access to a broad suite of potential investment solutions for non-profit organizations, foundations, endowments and corporate retirement and pension plans. Our level of involvement is based on your preference — from traditional consulting, to client-directed implementation, to full discretionary outsourced CIO services. We work with your CFO, board of directors and investment committee to develop a tailored investment strategy that is consistent with your culture, goals, preferences and risk profile.
We follow a disciplined process that helps to address your organization’s changing needs and provides you with a potentially higher probability of achieving your long-term investment goals.
Act as liaison between institutional clients and Merrill's Investment Policy Statement (IPS) service, which creates and modifies an IPS, based on the client’s investment goals and objectives.
Customizable asset allocation based on the Chief Investment Office capital market assumptions.
Recommend investment solutions leveraging Merrill's thorough and rigorous due diligence process.
Advanced portfolio construction techniques combined with client specific objectives and Merrill's capital market guidance.
Leverage Merrill's global intellectual capital including tactical tilts to potentially help increase returns.
Review, quantify and evaluate performance to identify opportunities to refine the portfolio’s overall strategy, based on the Investment Policy Statement.
Whether your defined benefit plan is an active part of your overall benefit offering, is closed to new participants, or fully frozen, Bank of America's service model allows you to outsource the many administrative tasks associated with the maintenance of a pension plan to fulfill plan obligations and manage risk.
Key services include:
• Investment consulting service
• Open architecture investment management platform
• Liability driven investment implementation
• Actuarial services and discretionary investment management
We understand the issues nonprofits, endowments and foundations address in funding their missions in an ever-changing financial climate. Drawing on the global resources of Bank of America Corporation and its affiliates, we offer insight, guidance and personalized service to help institutions develop and execute investment strategies focused on what matters most to them and the people they serve.
Impact investing and/or Environmental Social Governance (ESG) investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.
When you work with RWG Group, you benefit from the experience and knowledge we’ve gained from working with many institutions across the nation. We’ll bring all the latest thinking, insights and research from across Bank of America Corporation:
Bank of America Global Commercial Banking (GCB) provides a full range of commercial banking services to help your organization meet today’s challenges head- on and fuel sustainable growth. Bank of America specialists are committed to providing institutions like yours with banking solutions, including cash management and lending while investment solutions are provided by Merrill. GCB offers institutions solutions designed to help increase cash flow, streamline benefits plans and expand geographically. GCB brings clients the full capabilities of Bank of America Corporation and its affiliates paired with local service.*
Merrill Lynch Wealth Management (MLWM) provides access to market knowledge and financial experience. Merrill can help your organization make decisions that are appropriate for its needs and goals. Our education and insights can help your organization understand what’s driving today’s markets and tomorrow’s potential global opportunities. MLWM serves clients across the wealth spectrum, with personal advisor relationships that helps each individual investor plan for and pursue their unique financial goals.
* “Bank of America” is the marketing name used by certain Global Banking and Global Markets businesses of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.
“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.
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.
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
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 can provide a corporation all the tools it needs to take care of the financial lives of its people. From retirement plans, to special executive compensation plans, to individual wealth management, our team has the experience to engage the employers and employees. The success of our team is built around three simple yet enduring tenets: Understanding Your Goals; Stewardship; and Leadership.
Whether you are the institution or an individual, our stewardship begins with a deep discussion of your core values, goals and objectives.
We view ourselves as stewards of the assets entrusted to us by every client. Stewardship encompasses the ideas of ethical and prudent decision making, objectivity, responsibility, accountability, and proper governance. Simply stated we put the needs of our clients first.
In times of market stress too many investors make rash decisions that are fueled by emotion rather than the conviction that comes with a principled academic approach to investing. We believe that a process which is clearly articulated and disciplined in execution can provide our clients a more predictable stream of investment returns. Grounded in the science of finance our process allows us to rise above reactionary thinking, stay the course, and lead with confidence as markets fluctuate. We apply our disciplined approach with diligence accounting for the particular circumstances of each client.
By focusing on these three tenets we have promoted client satisfaction and retention which are the most potent testimonials to our work.
Using the broad investing resources of Merrill, we can also assist with potential solutions for income management, education funding, retirement income planning, and guidance for executives with concentrated stock positions, traditional and alternative investments, wealth transfer and estate planning services. And with your permission we can also work closely with your other professionals, such as attorneys, accountants and specialists, to help you pursue your goals.
DISCLOSURE: Some or all alternative investments may not be appropriate for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other appropriate investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high- net-worth investors.
You are now leaving Bank of America Merrill Lynch.
You can click the Cancel button now to return to the previous page.