Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

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Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

Watch now

Merrill Lynch

RM Associates

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Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work with you to develop a personalized financial approach designed to help you pursue what’s most important to you.
Professional Profile

RM Associates has a singular objective: to help clients simplify the complexities of their financial lives. Experienced 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. The team’s complimentary skills and diverse background help unwind complex financial issues while accommodating each client’s unique circumstances and priorities. Advisors’ main offices are in New Jersey and Texas. They do however serve clients throughout the United States and travel nationally to meet clients in person.

 
The team begins each relationship by assessing multiple aspects of a client’s financial life: assets and liabilities, financial goals and related cash-flow needs, as well as wealth transfer objectives. Advisors then devise detailed investment strategies to help meet these objectives. The client’s path to pursuing goals is consistently reviewed and adjustments are made if necessary. The team relies on a disciplined process for enacting investment strategies; advisors’ methodology is grounded in research, analysis and painstaking implementation.

Most importantly, the team’s values are reflected in its relationships. YOU - the CLIENT - are the most valuable relationship. RM Associates is committed to providing you with an expertise that is based upon trust, understanding, and competence.

Philosophy

We believe the best financial approach 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 an approach designed to help address your financial needs.

Approach

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 your financial approach 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 and your family.

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 help you refine your investing preferences. Together, we can help customize your investment approach. 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.

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.

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.

  • DEPTH:

    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.
  • EXECUTION:

    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.”
  • ACCESSIBILITY:

    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
  • VALUES:

    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.”

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.

Natalie De La Calle

Alternative Investments Regional Specialist

Bank of America, N.A.

Michael K Costo

Retirement Specialist

Bank of America, N.A.

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.

      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.