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Merrill lynch

The SiRiCa Wealth Management Group

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Merrill Lynch
Wealth Management


We work collaboratively to help clients prepare for, and transition to, retirement. 

We are honored to share that we have been ranked:

#11 on 2023 Forbes “America’s Top Wealth Management Teams High Net Worth” List

(published on November 7, 2023), and #2 on the 2023 Forbes “Best-in-State Wealth Management Teams” List for New York (published on January 12, 2023).
Rankings based on data as of March 31, 2022.


*See disclosures below. 

Welcome

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"These days, clients are redefining 'retirement.' Often, it means a second career and new challenges--anything but sitting still. The SIRICAMac Group can help you use your wealth to support new endeavors."

~ Todd Silaika, CFP®, CPWA® CAIA
Managing Director
Wealth Management Advisor
Portfolio Manager





*Please see Todd Silaika's biography for award disclosure. Barron's published on March 12, 2018. Rankings based on data as of September 30, 2017. Forbes' published on September 12, 2018. Rankings based on data as of June 30, 2018.



*Source: The Forbes "America's Top Wealth Management Teams High Net Worth" list, published on November 8, 2022. Rankings based on data as of March 31, 2022.

Data provided by SHOOK® Research, LLC. Forbes "America's Top Wealth Management Teams High Net Worth" ranking was developed by SHOOK Research and is based on in-person, virtual and telephone due diligence meetings and a ranking algorithm that includes: a measure of each team’s best practices, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of Forbes and not representative nor indicative of any one client’s experience, future performance, or investment outcome and should not be construed as an endorsement of the advisor. Rankings and recognition from Forbes are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and team, and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. SHOOK is a registered trademark of SHOOK Research, LLC.

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Smooth Transition to Retirement

Retirement wealth strategies are our professional focus; they are our core business. Our team has been immersed in retirement planning for individuals, couples and families for decades. Our understanding of corporate benefit plans and retirement income tax laws allows us to help clients develop a smooth, practical transition to retirement.

"The root of conflict is failed expectations. Strong communication and setting proper expectations are two keys to building strong relationships."  

~ Scott Calhoun, CRPC® ~
Senior Vice President
Senior Financial Advisor
Portfolio Manager

Managing Your Wealth

Clients in the early stages of retirement typically ask the same very important question: How do I generate reliable income and how do I make it last? We help you answer that question by creating with you an appropriate strategic allocation of your investment assets, combined with the selection of appropriate investments.

 
"We'll help you answer the key pre-retirement questions about income streams in retirement, spending and lifestyle, tax minimization strategies and wealth transfer."

~ James E. Coker, CFP®, CIMA® ~

Wealth Management Advisor

Careful Management for Cash Flow

We employ a risk-based investment philosophy focusing on cash flow over growth, which may occur naturally over time. We do not design portfolios to seek unsustainable, high rates of return. Rather, we manage assets with the intent to generate cash flow.

We form portfolios by seeking steady, reliable cash flow. The building blocks of portfolios we oversee include fixed-income securities and bond "ladders" (which stagger the maturities of bond holdings) when appropriate. Stocks and alternative investments* are also used, when appropriate, to complement bonds.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

 
"When it comes to portfolios, there's only one 'trend' that concerns this team: sustainable cash flow. That is more important to us and, we believe, to clients than chasing indexes or markets."

~ Erick Richardson, CRPC® ~

Senior Vice President
Senior Financial Advisor
Portfolio Manager

Accessing the Depth and Breadth of the Company

The investing resources of Merrill Lynch Wealth Management and the banking convenience of Bank of America allow us to offer clients an expanded platform of products and services. Access to Merrill's advanced technology provides clients with timely information and detailed reports.

You will be a client of a company that is exceptional in its size, scope and services. Our resources can offer you all the insight that comes with being connected with one of the world's largest wealth managers.

"We have relationships with specialists across Merrill Lynch Wealth Management that can help support your specific, individual needs. In this way, the capabilities of such a large organization can fit right into the work that our small, close-knit team does with you."

~ Lee Wilson, CRPC® ~
Financial Advisor

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.

Todd Silaika

Barron's "Top 1,200 Financial Advisors: State-by-State" 2009, 2010, 2014, and 2016-2022
Published annually in February - March. Rankings based on data as of September 30 of the prior year.

Forbes "Best-in-State Wealth Advisors" 2019-2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Erick L Richardson

Forbes "Best-in-State Wealth Advisors" 2022
Published on April 7, 2022.  Rankings based on data as of June 30, 2021.

Our Group

Supported by the global resources of Merrill, our group 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.

Russell Du Pont

Wealth Management Banking Specialist

Merrill

Timothy Thomas

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #480782

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 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.