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Claudia Yang

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Profile

Ling (Claudia) Yang is a Financial Advisor with Merrill Lynch Wealth Management in Bridgewater, NJ. Claudia manages wealth for high-net worth individuals, families and non-profit organizations to help achieve their investment, wealth transfer and philanthropic objectives. She also works with private business owners on financing, growing business, employee benefits and pre-transaction planning.

Powered by the Merrill Lynch Wealth Management program, Claudia is able to quickly implement thoughtful changes to a client’s portfolio. To help clients achieve their financial goals, Claudia works with a team of specialists and analysts using a broad range of financial services and strategies. Claudia takes the time to learn about her clients, and what matters most to them. With thorough knowledge about her clients, Claudia helps them to establish objectives, develop appropriate investment strategies to connect all pieces of their financial life, based on risk tolerance, time horizon, liquidity needs and overall investment goals.

Claudia works with her clients in the following key areas.

- Investment Management: Traditional Investments
- Strategies for Optimal Risk Adjusted Returns
- Retirement Planning (incl. 401(k), IRA, SEP IRA, Roth IRA conversion strategies)
- Corp Retirement Planning including Defined Benefits
- Alternative Investments and Private Equity
- Employer Stock (ESPP, RUS) and Option Risk Management
- Trust, Estate and Wealth Transfer Planning
- Credit and Lending Solutions for Business and Individual through Bank of America, N.A. (Residential and Commercial All Over US)
- Insurance Policies including Life Insurance, Annuity Planning and Long-term Care

Claudia also focuses on financial needs of Chinese speaking clients especially first generation Americans. Claudia helps them preserve and build upon their wealth, so they are free to focus on their careers, families, communities and activities that enrich their lives.

Prior to joining Merrill, Claudia worked as a senior financial analyst at Los Angeles Times. Claudia also spent time as a senior consultant at SAP and a manager at Alcatel. Claudia has broad experiences in consulting, financial planning & forecast, financial modeling, business analysis, and operations optimization. Claudia was also a business owner along with her family of a popular Thai restaurant in Warren, NJ.

Claudia graduated from University of Southern California with an MBA in Finance. She speaks fluent English, Chinese, Mandarin and Shanghainese. Claudia would welcome assisting any clients in need of translation skills. In her spare time, Claudia enjoys traveling, yoga, interior design and culinary arts.

Claudia believes that every client needs a resource who understands what matters most to them today and in the future. Claudia will help the clients to find powerful, innovative and customized ways to connect all pieces of their financial life. Claudia’s goal is helping clients achieve the lifestyle they want.


*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.

  • LANGUAGES

    Mandarin, English & Chinese

  • EDUCATION

    Dong Hua University

    University of Southern California, MBA

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.

Aileen T. Takio

Aileen T. Takio

Retirement Plan Manager

Merrill Lynch

Natalie De La Calle

Natalie De La Calle

AI Specialist

Merrill Lynch

Sharon H.  Press

Sharon H. Press

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #690487

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

Among the reasons I chose to become a Merrill Lynch Wealth Management Advisor is because of my passion for helping to educate my clients about investing. As a financial advisor, one of the most valuable things I can do for clients is to help them understand the markets, our goals-based wealth management approach, and to help them understand their life priorities and the impact this can have on their individual wealth management approach. My advice and approach are guided by an interest in your life’s goals and priorities.

Philosophy

We live in a world that's constantly changing. Markets can fluctuate frequently. Potential investment opportunities can arise daily. Regulations are amended. That's why I believe that you and your situation are the best starting points from which to help plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because by understanding you and your priorities, I can more effectively offer my experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

Approach

I 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, I 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, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I 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.

Your approach to investing

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 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 approach 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 - 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.

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 approach.

Capabilities

Using the broad investing resources of Merrill, I 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.

Focus On High-Net-Worth Individuals and Business Owners

I  offer clients a breadth of potential solutions, premier service and financial tools based on their unique circumstances.

No matter what your goals may be, I begin by helping you define and prioritize your financial goals based on the following seven areas:

  • 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 and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together; defining your financial goals
We work closely with other professionals to help clients pursue their wealth management goals, drawing on the investment insights of Merrill and offering access to the banking convenience of Bank of America as we do so.

I'll also draw on my industry knowledge and experience to offer:
„„
  • Potential risk management strategies
  • „„Trust and estate planning services
  • „„Potential wealth management solutions
  • „„Access to Bank of America for your credit and banking needs

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 I can help you create a financial approach that reflects your personality. Only then can I 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.


      Merrill_Capabilities_Brochure.png  

      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.