Claudia Yang

push-top

Profile

Ling (Claudia) Yang is a Financial Advisor with Merrill Lynch Global Wealth and Investment 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

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.

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 Lynch, 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.

  • LANGUAGES

    Chinese, English & Mandarin

  • EDUCATION

    University of Southern California, MBA

    Dong Hua University

    University of Southern California

Where do we begin? It starts with you.

At Merrill Lynch, 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 financial 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, my investment process and to help them understand their life priorities and the impact this can have on their wealth management strategy. My advice and strategies are guided by an interest in your life’s goals and priorities.

Philosophy

We live in a world that’s constantly changing. Markets fluctuate moment to moment. New investment opportunities arise daily. Regulations are amended often. That’s why I believe that you and your situation are the best starting points from which to plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because only by understanding you and your priorities, can I 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 financial strategies 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.

Drawing upon research in the field of behavioral finance, Merrill Lynch developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment, I customize financial strategies together. 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 Lynch’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 Lynch 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 strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me 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 strategy.

Capabilities

Using the broad investing resources of Merrill Lynch, I can also assist with income management, education funding, retirement 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 other specialists, to help you pursue your goals.

Focus On High-Net-Worth Individuals and Business Owners

I offer clients a breadth of strategies, premier customer service and financial tools based on their unique circumstances. No matter what your goals may be, I begin by defining and prioritizing 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 others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals
I'll also draw on our industry knowledge and experience to make recommendations for strategies around the following:
  • Risk management
  • Trust and estate planning services
  • Investment management
  • Provide access to Bank of America for credit and banking needs

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

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 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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

ML_Video_v2.jpg
Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*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.

Let’s Have a Conversation

There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs – a caring advisor who can leverage the investment insights of Merrill Lynch and access to the banking convenience of Bank of America to help clients face today’s financial and economic landscape. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

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.


MLCampaign_WhyML_v3.jpg

We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





Transcript of Video 

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

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.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.