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712 INVESTMENT GROUP

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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.

Michael Savino

Michael Savino

AI Sales Desk Specialist

Merrill Lynch

Tia Alleyne

Tia Alleyne

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #642153

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

About the 712 Investment Group

The 712 Investment Group is a 17 person Private Wealth Group operating under the umbrella of Merrill Lynch Private Wealth Management, a division of Bank of America.  This partnership allows us to offer the personalized advice and guidance of a small, family style office with the investment insights and backing of a major financial institution.

While our founding partner's roots at Merrill Lynch Wealth Management date back to the mid 1980's, The 712 Investment Group was formally organized in 1992 at 712 5th Avenue in New York City.  As of 2020, still headquartered in midtown Manhattan (with a satellite office in the San Francisco Bay area), we currently oversee in excess of $4Billion for our clients.

Members of the team has been perennially recognized in many publications - including Forbes & Barrons - as Top Wealth Advisors and Top Next Generation Advisors.

We are 100% referral-based and do not prospect for new clients. This allows us to dedicate all our time to maintaining and deepening existing relationships.

We start by listening to you to gain a deep understanding of the moving parts of your financial life.  Recognizing the concerns that can affect you family and finances — today and in the future — can put us in a better position to help you develop a wealth management strategy uniquely tailored to your circumstances.

With this understanding, together with an overview of your financial life (income, assets, titling, taxes) we will develop a plan tailored to your goals, liquidity needs, values, time horizon and risk tolerance.

The customizable strategies we build address a wide range of needs:

  • Investment and retirement income planning
  • Estate planning services and wealth transfer strategies
  • Philanthropic and charitable giving strategies
  • Education funding
  • Lending (Mortgage, Securities Based Loans, Custom Financing) NMLS ID 642153
  • Insurance and annuities

Our partners have decades of real life investment experience in allocating billions of dollars across the capital markets.  We are aided in this process by the firm's industry leading research, alongside a team of highly skilled due diligence professionals.

After carefully evaluating your overall financial picture, we will create a custom strategy designed to help you pursue your goals.  Our "open architecture" platform gives us access to some of the world's top investment managers together with our own internal research based strategies.  During this process (and ongoing), we will also work with your personal tax and estate planning professionals to help ensure your financial strategy is aligned with tax minimization considerations. 

With your investment performance, capital preservation and legacy concerns top of mind, we will regularly review your investments to make sure they stay aligned with your goals for your lifetime and future generations.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Focus On Individuals and Families

We can offer advice and guidance designed to assist you in making 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’ll 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

 

Helping You Make Your Philanthropic Giving More Gratifying and Impactful

For the past 27 years, The 712 Investment Group has been working with internal specialists to help affluent families, foundations, charities and endowments address their unique charitable objectives. Whether you are in the early stages of giving back to your community, in the process of creating an enduring legacy through family philanthropy, starting a new trust or foundation or need support for an existing program, we are equipped to help you pursue your personal charitable objectives.

Working with Bank of America specialists, we are prepared to help you design and implement philanthropic strategies in a variety of areas, including:

  • Donor-advised funds
  • Foundations and endowments
  • Small family foundations
  • Large public foundations
  • The review and update of investment policy statements, with the help of a specialist from Bank of America Merrill Lynch Global Institutional Consulting
*Global Institutional Consulting (“GIC”) is part of the Global Wealth and Retirement Solutions business of BofA Corp. Institutional Investments & Philanthropic Solutions (Philanthropic Solutions) is part of U.S. Trust, Bank of America Corporation (“U.S. Trust”). U.S. Trust operates through Bank of America, N.A., member FDIC, and other subsidiaries of BofA Corp. For both GIC and Philanthropic Solutions, banking and fiduciary activities are performed by wholly owned banking affiliates of BofA Corp, including Bank of America, N.A. Both brokerage and investment advisory services are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC), and registered investment adviser; the nature and degree of advice and assistance provided, the fees charged, and clients’ rights and MLPF&S’s obligations will differ depending upon the products and services actually provided. Global Institutional Consultants mentioned herein are registered representatives with MLPF&S and may assist you with investment products and services

Helping Meet the Needs of Retirement Plan Sponsors

As an employer, you understand the critical role a well-designed retirement program can play in helping to attract and retain highly talented employees, meet your fiduciary obligations, make the most of your business assets and assist your employees with their retirement savings goals.

We can help you address the various facets of designing defined-benefit and defined-contribution plans, including:

Needs assessment—We can work with you to understand and evaluate your business requirements and assess the various types of retirement plan programs that may be appropriate for your organization.
Investment analysis and menu selection—We can assist you in developing methods for maintaining an investment menu and creating a review schedule for funds.
Employee communication and education—Working with Merrill Lynch financial advisors throughout the country, we can conduct enrollment meetings, educational sessions and ongoing communications with your employees.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of 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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

Staying on Track

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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.

      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.