Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Robert Schiano employs a disciplined, relationship-based approach to wealth management. His clients include individuals, families and corporate executives who turn to Robert as a trusted advisor who always works in their best interests. Robert’s client relationships are built on a commitment to being personally available to clients to help them and their families with a full range of financial concerns and questions. He utilizes the full range of investment resources made available by Merrill Lynch and the banking capabalities of Bank of America to provide clients with a wide range of wealth management services and works with clients’ attorneys and CPAs to integrate all aspects of their financial lives.
Robert begins each new relationship with a thorough information gathering and risk assessment initiative that enables him to understand what is important to that client. He examines their goals, financial dynamics, risk tolerances and time horizons and then works with them to develop personalized strategies that address their specific goals. In his work with retirees or those about to retire, he helps them create detailed strategies that address issues such as 401(k) distributions, income planning and legacy planning. With a client’s needs and expectations clearly defined, he works to implement the strategy on the client’s behalf and periodically conducts reviews to make sure that it is still aligned with the client’s evolving needs and objectives.
Robert joined the Merrill Lynch Wealth Management family in 2000. He participates in the American Cancer Society’s annual Relay for Life fundraising event and enjoys skiing and fishing in his spare time. A New Jersey native, Robert is an avid Giants and Yankees fan. He lives in Mountainside, NJ with his wife, Candice, their son, Nicholas, and daughter Sophia.
*You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
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.
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Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I 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.