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.

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The Beacon Group

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Merrill Lynch
Wealth Management


Our team focuses on addressing the investing and fiduciary responsibilities of institutions as well as the wealth management needs of individuals and families. We work closely with clients to determine their needs so that we can craft customized financial strategies to help them pursue their goals.

Approach

Working with us means working with advisors truly dedicated to your success. Our approach is simple, transparent and supported by thoughtful investment guidance.

We believe clients realize the full value of our relationship, including:

  • helping you make significant decisions
  • recognizing your life priorities and goals
  • understanding your investment personality
  • helping you prioritize and pursue goals
  • being transparent by making possibilities, fees and risks clear
  • taking steps to help you preserve income during a life challenge
  • educating the younger generation about investments and the markets

Capabilities

Our 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. Our 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. We view ourselves 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

We 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, We 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.

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

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 we 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, we can more effectively offer our experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

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Welcome

Our mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. We help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

Recognition

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.

Charles Belluardo

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

Financial Times "401 Top Retirement Advisers" 2017, 2018, 2019
Published annually May - Oct. Rankings based on data as of Dec 31 of prior year.

Barron's "Top 1,200 Financial Advisors: State-By-State" 2022
Published on March 11, 2022. Rankings based on data as of September 30, 2021.

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

John Lembeck

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

Financial Times "401 Top Retirement Advisers" 2017, 2018, 2019
Published annually May - Oct. Rankings based on data as of Dec 31 of prior year.

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Sabrina E Wiesel-Crammer

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

Financial Times "401 Top Retirement Advisers" 2017
Published on September 27, 2017. Rankings based on data as of December 31, 2016.

Meet the Team

Supported by the global resources of Merrill, our 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

Past Events

Outlook 2023

March 15th, 2023|4:00 PM - 5:00 PM

Please join our top industry experts who will share whether the coming year might bring a return to a more promising market as global economies reset. They will also cover regional insights and potential ways to navigate today's new market landscape. We will end with an open Q&A, so you can ask the questions that are important to you.
Topics will include:

  • What a potential recession could mean for the markets
  • Dealing with inflation, volatility and other investment risk
  • Portfolio strategies and opportunities to consider now
Speaker:
Marci McGregor
Head of Portfolio Strategy for the Chief Investment Office
Merrill and Bank of America Private Bank

Host:
Craig Young
Managing Director; MLWM Mid Atlantic Division Executive, Merrill

Reach out to us to reserve your place for this exclusive, live virtual event. 

    Tune out the noise: Wealth Planning for the year ahead

    March 28th, 2023|4:00 PM - 5:00 PM

    Long-term wealth planning is important to your family and your financial well-being. Despite this noisy political and economic climate, there are underlying factors at play that may make this the right time to create or update your estate plan. Our panel will explore:

    • How rising interest rates, high inflation and increased volatility are impacting the economy.
    • What a dividend government means for tax legislation.
    • Family dynamics and the role they play in estate planning.
    • Actionable strategies for investors to consider in 2023.

    Hosted by: Jennifer Galvagna, Head of Trust, Estate & Tax Solutions, Bank of America Private Bank
    Panelists: Katie Carlson, Head of Wealth Strategy, Bank of America Private Bank & Mitch Drossman, Head of National Wealth Strategies, Chief Investment Office, Merrill and Bank of America Private Bank

      The Lost Art of Connecting

      Eisner Amper Corporate Conference Center, 111 S. Wood Avenue, Iselin, NJ 08830

      May 11th, 2023|4:00 PM - 6:30 PM EST

      Following three years of an isolating pandemic, we all could use a bit of help to better connect professionally and personally. Please join our own Joanne Spears, CRPC™, CSRIC®, Senior Financial Advisor and professional & entrepreneurial women in our community for a fireside chat with Susan McPherson, author of “The Lost Art of Connecting”.

      Susan McPherson is a serial connector, angel investor and corporate responsibility expert. Susan is the recipient of Forbes magazine’s 50 over 50—Impact 2021 award and Worth Media’s Worthy100 award. She has also won numerous accolades for her voice on social media platforms from Fortune Magazine, Fast Company and Elle Magazine. 

      The main event is a book chat with Susan McPherson. After the book chat, we will host an hour of networking, using our new skills while learning how to professionally frost cupcakes, put together party-worthy tapas platters and mix a signature Sangria.

        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 we can help you create a financial approach that reflects your personality. Only then can we 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 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.