Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
RM Associates has a singular objective: to help clients across the nation simplify the complexities of their financial lives. Skilled problem-solvers, the team’s professionals bring both analytical and life skills to each client’s situation, helping individuals, families, and businesses pursue their goals more efficiently.
With offices in New Jersey and Texas, the team travels regularly to clients and their family members, conducting face-to-face meetings to stay apprised of evolving priorities and needs. RM Associates operates in the time zones of our clients.
The teams advisors combine an understanding of dynamic economic conditions with sound planning and investment principles, helping clients pursue the lives and legacies they envision for themselves and their loved ones.
The team differentiates its approach in several ways:
Prior to joining Merrill Lynch Wealth Management, Frank and Glenn enjoyed successful careers in the electronics and lighting industries. David joined the team from the insurance industry, while Janna came from institutional money management. Margot and Vikki bring decades of experience in client service. The team’s complementary skills and background help them unwind complex financial issues while staying mindful of each client’s unique circumstances.
The team’s advisors begin each relationship by assessing multiple aspects of each client’s situation: assets and liabilities, retirement goals, cash-flow needs, and wealth transfer objectives. They then devise a detailed long-term investment strategy to address these goals and leverage possible efficiencies. “We bring a tax-sensitive approach that integrates my perspective as a CFP® practitioner. We know the value of a thorough blueprint for moving forward,” says Frank.
The team relies on a disciplined process for executing each client’s strategy. “Our methods are grounded in research, analysis, and painstaking implementation,” Janna explains. “We’re quantitatively skilled, applying our investment acumen to develop customized portfolios that reflect the distinctive goals and preferences of each family. We combine our investment strength with parallel capabilities in wealth transfer, banking, and executive services.”
The team serves clients from coast to coast. “Regular meetings allow us to refine our strategies and assess how investment portfolios are performing relative to client objectives,” says David. Another point of differentiation and accessibility is the fact that the team is multi lingual, speaking English, Russian and Ukrainian. "Our varied backgrounds and ability to speak different languages help us connect with the first generation of Americans," says Janna.
The team is privileged to enjoy referrals as the primary source of new relationships. Glenn points to a single word—TRUST—as the foundation of the team’s approach. “We strive to deliver on our commitments,” he maintains. Frank continues, “Transparency, hard work, empathy, honesty—these are the values that matter to us and to the clients we serve.”
We believe the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop strategies designed to help address your financial needs.
We 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, we start by listening to learn more about you.
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. By gaining a deeper understanding of how you think and feel about investing, through this assessment we can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, we 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.
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 investment management. Our ability to provide access to the investment insights of Merrill, as well as banking, trust and fiduciary services from 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 strategies for transferring wealth to the younger generation.
We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.
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 strategy 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.
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.
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.
Our experts examine the forces that are changing the world – and how they may impact your life
We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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.
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.
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 you stay on track to achieve what's most important to you.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities
It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click
You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features
Your advisor is a click away through our Secure Inbox and texting application
Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.