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Laura Osifchin

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Profile

As a Financial Advisor at Merrill Lynch Wealth Management, I take a holistic approach to growing and managing wealth. This process begins with getting to know each client as an individual – taking the time to learn about your unique needs, concerns and priorities across all areas of your life – so that together, we can develop financial strategies that are aligned with and support what it is you want to achieve.

When you work with me, you’ll receive personalized, attentive service delivered in a way that works for you. In addition to benefiting from a deep relationship with a dedicated advisor, you’ll gain access to the investment insights of Merrill coupled with the banking convenience of Bank of America that can help address various aspects across your financial life.

I bring broad business experience to my practice, having previously served in Marketing Communications, Sales and Client Service roles, and having co-founded a change communications consulting firm. I received a bachelor’s degree in Communication Studies from Fairleigh Dickinson University, Madison, New Jersey, and an M.B.A. in Marketing and Entrepreneurship from Rutgers, The State University of New Jersey. I hold Series 7 and Series 66 FINRA registrations.

I reside in New Jersey with my two beautiful daughters and golden doodle. I’m a voracious reader, podcast enthusiast, enjoy running and yoga, and love to experiment in the kitchen. I also revel in home DIY projects and entertaining.

It’s my mission to deliver exceptional, personalized service to my clients, and it’s a great privilege to be able to help you pursue your life goals – whatever they may be.

For me, service extends beyond my career and clients. I follow the deep-seated Merrill tradition of participating in the communities we serve, dedicating time to volunteering with organizations in my community, including the March of Dimes.

  • EDUCATION

    Fairleigh Dickinson University

    Rutgers

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.

Dana R.  Russo

Dana R. Russo

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #420474

Michael K Costo

Michael K Costo

Retirement Specialist

Merrill Lynch

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

I’m a strong believer that a solid financial foundation is a critical ingredient to achieving your life goals. And with finances, as with most other things in life, knowledge is power.

By taking time to work with a professional to review and understand your full financial picture and develop an appropriate plan, you can reduce unnecessary anxiety and start building a positive relationship with your money. When you have clarity about where you are and where you want to go, you can confidently make decisions that align with your values and needs.

As a Financial Adviser, I’m here to guide and support you through every step of this process. I work closely with clients to understand your unique needs across all facets of your life – including your family, career, health, hobbies and philanthropy – and then collaborate with you to develop a financial strategy tailored to your specific goals.

Philosophy

Life is always changing and growing more complex. Your needs and priorities specific to your family, work, health and home are continuously evolving. And since your finances are so deeply connected with the rest of your life, an investment approach that is specific to your unique situations can be helpful. Even if you’re accustomed to managing your wealth on your own, you may find value in having a relationship with someone who understands your priorities and who has the knowledge and resources to help you make more informed decisions, no matter where in your life you are.

Approach

Helping you pursue your goals starts with getting to know you. We will work together to create a financial approach that reflects your investment personality and is built around your life priorities. My process offers a flexible framework we can call upon to help you identify and prioritize your personal and professional financial goals, including areas such as education funding or your lifestyle in the future. I offer potential solutions to provide the “fit” that may best serve your objectives, risk tolerance, time horizon and liquidity needs. I help you understand fees and expenses associated with your accounts.

Capabilities

You can’t feel good about your finances unless you know exactly where you are, where you want to go, and how much you may need to get there. I work with you to develop a customized financial strategy, drawing on the best thinking of our firm, to help you with your financial future. I will manage all aspects of your relationship, making it clear what you’re paying for and what you’re getting. As your life and the markets change, we can meet from time-to-time to help make sure you’re on track in pursuing your goals and to adjust your strategy as needed for the journey ahead.

Focus On Women

While I can help any investor pursue their unique financial goals, my primary focus is on working with women.

Whether you’re planning your retirement, saving to buy a home or fund a child’s education, we’ll start by getting to know you and how you feel about the following seven life priorities.

  • 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.

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.

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

      We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue 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.


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      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.