Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Jay S Fields

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Forbes "Best-in-State Wealth Advisors" 2018-2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.


“An investor without investment objectives is like a traveler without a destination.”

Jay has been a part of the financial services industry since 1992 and joined Merrill Lynch Wealth Management in June of 2010. He focuses on clients’ goals and concerns, offering the goals-based wealth management process, global resources and up-to-the-moment Web technology that complement his ability to help clients pursue the financial lifestyle that is most meaningful to them.

Jay is a problem solver who works to simplify high-net-worth clients’ financial lives. He assists clients in identifying and prioritizing their various goals—including estate planning services, education funding, investments, tax minimization strategies, wealth transfer and retirement income—then developing strategies that may be customized to fit their personal circumstances and their own unique feelings and attitudes. He is also a firm believer in paying close attention to both sides of a client’s balance sheet, You may also benefit from the experience of a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized home financing guidance focused on your needs. He works hard to gain clients’ trust and is committed to helping optimize their resources so they can make the most of what they have.|I help my clients make smart decisions about their money so they can spend more time doing what they love. My approach to wealth management enables you to organize your wealth so that all the components of your financial life work together toward achieving the goals you most want for yourself, your family and your community. This means having all of your challenges addressed and your entire financial situation enhanced. It goes beyond traditional investment ideas to encompass all types of financial needs throughout all phases of your life.

Clients and their needs are more complex than our industry has acknowledged. Traditional wealth management relies heavily on asset class optimization. Its task is to find the best returns for a set of investments at an acceptable level of risk. But this approach often fails to adequately take into account a client’s financial goals and personal priorities.

Goals based wealth management (GBWM) offers a focused, consistent approach that can help uncover a deeper understanding of our client’s goals and priorities, and develop strategies tailored to best achieve each goal. Using this consultative approach, by contrast, our client can take into account unique specifications of the financial dimensions of his or her goals and risk attitude with respect to each goal.

Furthermore, GBWM can be used to manage a client’s personal balance sheet and cash flows to achieve goals that span multiple time horizons and life stages. Since each client goal can have a distinct personal meaning and importance, it is logical that associated risk attitudes vary across goals. Unlike traditional asset allocation, in which accounts and products are managed independently of human capital (earning potential), financial assets and goals, GBWM considers all assets, liabilities and goals together. Consequently, with GBWM, portfolio construction strategies can be customized to each client’s personal needs and preferences. Doing so makes it easier to structure, track and adapt the plan of action best suited to each individual client.
I welcome the opportunity to see how I may be of assistance to you. Please feel free to contact me.

*Goals Based Wealth Management
*Portfolio Management
*Estate & Trust Services
*Personal Retirement Strategies
*Small Business Retirement Plans

Jay is a specially qualified Senior Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, options, and third-party investment strategies. Senior Portfolio Managers are provided a high degree of flexibility in constructing portfolios and selecting securities. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Manager may manage his strategies on a discretionary basis. After meeting certain additional requirements, a Senior Portfolio Manager may use his own strategies to manage the assets of other Merrill Advisors’ clients. Jay works to provide an exceptional level of client care and service, and he invites you to contact him to see how his knowledge and service can help meet your financial needs.

Jay began his career in the financial industry with Prudential Securities in 1983 as a technologist. Over the next 10 years Jay worked at JP Morgan & First Boston where he was instrumental in the development of state of the art, computerized portfolio trading systems. In 1992, he joined the Lehman Brothers Investment Banking Division of Shearson Lehman Brothers as a Financial Consultant to offer clients a wide range of financial services. Jay finished first in his training class of 160. In 1994, he was certified as a Portfolio Manager with the Smith Barney's Portfolio Management Group. In June 2008, Jay earned the designation of Chartered Retirement Planning Counselor™ from the College for Financial Planning Institutes Corp. In October of 2016, Jay earned the prestigious designation of Certified Private Wealth Advisor® from Investments & Wealth Institute™.

*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products. 

Community involvement is an integral part of how we interact with clients and communities. We are enthusiastically involved with volunteering and fundraising for organizations such as Special Strides, UJA Federation in the Heart of NJ . Let us show you how our professionalism and dedicated client service could benefit you and your family. Contact us at your earliest convenience.




    CUNY Brooklyn College

    Sheepshead Bay High School

Professional Staff

Supported by the global resources of Merrill, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

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.

Allison Baldino

Wealth Management Banking Specialist


Elizabeth Kubeck

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #486013

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

Why Work With Me

I focus on clients goals & concerns, offering a goals-based wealth management process, global resources & the latest Web technology that complement my ability to help clients pursue the financial lifestyle that is most meaningful to them. I am a problem solver who works to simplify clients financial lives. I assist clients in identifying & prioritizing their various goals then developing strategies that may be customized to fit their personal circumstances & their own unique feelings & attitudes. I am also a firm believer in paying close attention to both sides of a client’s balance sheet, which is why I offer access to a Wealth Management Lending Officer from Bank of America, N.A., who can draw upon an expansive array of home financing solutions designed to fit into your overall financial strategy and help you pursue your financial objectives.  I work hard to gain clients’ trust & am committed to helping optimize their resources so they can make the most of what they have.

*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.


It’s important to plan for your financial future, which means getting more than investment advice. I believe you may find value in a one-on-one relationship with someone dedicated to knowing who you are and what you want to accomplish. Someone who knows your kids’ names, how hard you worked to get where you are, how you define a successful life and how you view investing. My commitment is centered in helping clients achieve their goals by making their needs and wants a priority. My advice and financial approach are guided by what’s important to you, and our success is defined by your satisfaction over time.


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 me 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.


My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On Individuals, Families and Small Businesses

I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I 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

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.


    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.


      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.

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      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.

      The Power of the Right AdvisorTM
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.