Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Profile

My career in the financial industry began in 1983. I have built a wealth management practice dedicated to providing clients with tailored integrated investment plans by leveraging the vast resources of Merrill. Delivering excellent client service remains one of my top priorities, as I assist clients develop and implement detailed plans to help them meet their financial goals. I also work with families with special needs childern assisting them manage their Special Needs Trusts.

Prior to joining Merrill Lynch Wealth Management, I worked at Morgan Stanley in Red Bank, as well as Ziff Brothers Investment and Risk Enterprise Management, Ltd. in New York City. I am a graduate of Monmouth University in West Long Branch, NJ where I earned a Bachelor of Science Degrees in Finance and a minor in Economics. I also have the honor of being a member of the Beta Gamma Sigma international business fraternity. While attending Monmouth, I was the Vice President of Gamma Sigma Sigma service sorority as well as a Resident Assistant.

I am a former member of the Monmouth University Business Council as well as a member of the Council’s Steering Committee. In 2019, I had the honor of receiving the Monmouth University Outstanding Alumni Service Award. I support many student activities such as Career Discovery Series, Student Professional Speed Networking and Business Strategy Course presentations. I also am a member of the Shadow Lawn Society. I am an active member of Shore WINS, a local women’s networking group. I donate my time to a number of charitable foundations and mentor young professionals through Women’s Unlimited as well as Mater Dei Young Women's Leadership Program.

In my free time, I enjoy boating in the summer and skiing in the winter months. In 2010 I founded Vertical Vixens, a national woman’s ski club. The Fall, however, is my favorite season, as I am an avid football fan—I never miss a Giant’s game and I am the commissioner of my fantasy football league, Insane Interceptions.
 
I focus on delivering a comprehensive approach to managing wealth that begins with listening to a client’s needs and helping to ensure every strategy is grounded in understanding what each client wants to achieve. My access to the investment insights of Merrill and banking convenience of Bank of America helps address the various aspects of clients’ financial lives. I am driven by my passion for delivering excellent service and helping clients pursue their goals.

  • EDUCATION

    Monmouth University

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.

Elizabeth Kubeck

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #486013

Alfred Imbro

Trust Specialist

Merrill

Chetwin Carter

Wealth Management Banking Specialist

Merrill

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

Approach

Helping you pursue your goals starts with getting to know you and your family. We will work together to create a financial strategy that reflects your investment style and is built around your life plan. My planning process can help you identify and prioritize your personal and professional financial goals, including education funding and retirement lifestyle. Potential strategies are offered 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

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Special Needs

There are few gifts as meaningful as parents providing for the financial security of a child. And while all investors can receive help pursuing their unique financial goals, the team’s primary focus is on working with parents of children with special needs or disabilities.

I take great pride and joy in helping you create and integrate potential special needs strategies, while keeping in mind your other financial goals in life. That’s why the time is taken to sit down with you and listen carefully so a personal plan can be formulated just for you.

Special needs households may be full of love, but the costs of healthcare, as well as decisions that have to be made about schooling, retirement, and time off for family caregivers, can put a strain—financial and emotional—on any relationship. Working with many special needs families and situations provides the experience and insight needed to help you take the first step in planning for the present and future.

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.

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.

Philosophy

It’s important to plan for your financial future, which means getting more than investment advice. 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 children’s names, how hard you worked to get where you are and how you view investing. My commitment is centered on helping you achieve your goals by making your needs a priority. My advice and financial planning approach are guided by what’s important to you.

Welcome

Placing the investor at the center of the planning process—while maintaining a market focus — is my goal in helping you work through difficult financial transitions and decisions that can occur in your life. The process begins by getting to know you, your family and financial situation, understanding your risk tolerance, time horizon, liquidity needs, goals, priorities and unique financial concerns. From there, a personalized financial strategy is designed, drawing upon the investment insights of Merrill and accessing the credit, lending and banking solutions available from Bank of America. As your needs or market conditions change, I will meet with you to track and adjust your approach, as necessary.

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.

    #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.

      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.

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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 Advisor®
      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.