Tune out the noise: Wealth planning for the year ahead

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.

Watch now

Claudia Yang

Senior Financial Advisor

Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management

Even if you think there’s plenty of time before retirement, we believe that it’s never the wrong time to meet with an experienced financial advisor from to discuss your retirement approach.

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 financial 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

Employee Benefits Specialist

Bank of America, N.A.

Natalie De La Calle

Alternative Investments Regional Specialist

Bank of America, N.A.

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 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.

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.

Focus On High-Net-Worth Individuals and Business Owners

I  offer clients a breadth of potential solutions, premier customer 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
I'll also draw on my industry knowledge and experience to offer:
  • Potential risk management solutions
  • Trust and estate planning services
  • Potential wealth management solutions
  • Access to Bank of America for your credit and banking needs
This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

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.

    DigitalMerrill2.png 
    Transcript of Video
    #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 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.

      Request Appointment

      Articles

      DISPLAYING:

      Market Briefs

      Compare and contrast: 4 key ways to save for college

      Because it’s never too early to start saving — a Roth IRA for teens

      How to Calculate Your Home Equity- and Why It Matters

      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.


      MLBrochure.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.

      Anthem video thumb.jpg 
      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.