The Balducci Wealth Management Group

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Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Marc A Balducci

On Wall Street –“Top 40 Under 40”  2017

Forbes “Best-in-State Wealth Advisors”  2018 & 2019

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.

Conor O'Keefe

Conor O'Keefe

AI Regional Specialist

Patrick S Gallagher

Patrick S Gallagher

Senior Wealth Management Lending Officer NMLS # 642159

Louis P Giambertone

Louis P Giambertone

Insurance Specialist

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

Welcome

At The Balducci Wealth Management Group, we serve accomplished individuals who demand more from a financial advisory team. For those who generate wealth – and need to abide by specific guidelines – we have a proud tradition of providing clients in similar circumstances with an optimal service experience.

As our reputation continues to grow, so does our clientele. Today, we work closely with senior-level executives at major worldwide insurance and reinsurance companies (as well as other publicly traded companies), current and retired partners of “Big Four” accounting firms and major New York law firms, consulting professionals, entrepreneurs, and generations of their families.

Given the ambitious nature of clients, new opportunities and obstacles invariably present themselves. That’s why we speak to clients on a regular basis. We feel privileged to bring them strong continuity of service and genuine understanding.

There are no shortcuts to what we do. As a dedicated six-person team along with three specialists, we’re as motivated as the clients we serve – and look forward to assisting others who can benefit from our experienced knowledge and focus.

A Disciplined, Planning-Based Approach

Ours is not a typical approach, because we don’t serve “typical” clients. Our process can be defined by the familial nature of our client relationships and our consistent awareness of their needs. At The Balducci Wealth Management Group, we recognize clients’ voices when they call and their comfort with risk. We also know that “performance” matters to clients and why they hire us.

Experience tells us that future legacy planning can be as critical as addressing clients’ near-term challenges. This inspires our efforts to establish genuine trust and paths of communication with both spouses (asking each to separately complete the same questionnaire), as well as with entire families. By encouraging each family member to get involved to the extent they want to be in planning discussions, we can craft long-term strategies that more accurately reflect the desires of all stakeholders.

We never forget that a majority of our clients are running companies, auditing them, or advising and consulting for them. Accordingly, we are diligent in how we structure retirement, risk-management, tax-minimization, cash flow, and wealth preservation strategies (often in concert with clients’ CPAs and attorneys, and specialists across our firm).

With each team member’s background being different from the next, we enjoy “solid fits” with clients and their families. This leads to frequent discussions with clients that occur naturally (rather than those prescribed by any calendar). During working hours or after, we value the time spent with clients – in San Francisco, Chicago, Houston, Dallas, Philadelphia, South Florida, New York, or wherever they call home. Meeting at clients’ summer homes or favorite restaurants, for example, allows for casual conversations and may give us a deeper appreciation of their greatest fears and most cherished goals.

Assisting Professional Service Partners

For current and retired partners of the “Big Four” accounting firms, major New York law firms, consulting professionals and others, The Balducci Wealth Management Group helps each client navigate through a range of specific restrictions and financial decisions.
 
Depending on their firm, each client may face a complex series of decisions regarding their pensions and other areas. With each retirement and pension structured differently, we help clients satisfy strict investment guidelines, make joint and survivor elections, and determine the various options regarding partial or lump sum payouts. 
 
Each client’s strategy is based on a multitude of factors – their objectives for themselves and loved ones, risk tolerance, investment timeline, liquidity needs, age, health, pension size, the age of their spouse, and what makes the most sense from a mathematical perspective. For clients with investment restrictions, the diversified portfolio we build may include a blend of several asset classes – including ETFs and mutual funds from independent managers.

For retirees and others not subject to issues of partners, we may use separately managed accounts with investments across asset classes, to help clients achieve tax and cost efficiencies based on their particular strategy.

Assisting Senior Corporate Executives

In serving C-suite corporate and other senior-level executives of major insurance, reinsurance, and other publicly traded companies, The Balducci Wealth Management Group brings decades of experience to those holding concentrated equity positions. If you’re concerned about having personal assets linked to your firm’s ups and downs, we can help you balance risk, whether you wish to:

• Hold The Position

• Diversify The Position

• Receive Immediate Liquidity
 
• Sell Your Shares Outright

Based on your situation, your portfolio allocation may reflect a hedging strategy (like those above) or one designed to minimize costs and/or tax consequences. 

We can also help you navigate and comply with SEC rules, your company’s trading restrictions, and equity reporting requirements – and account for your specific stock options, grant dates, and vesting periods. Additionally, we can help you enjoy easier access to cash – especially when your cash flow is uneven throughout the year (due to compensation structures that may include lump sum payments, profit sharing and/or restricted stock).

Your Financial Strategy

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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

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

<br />Regular reviews to help you stay<br />on track

Regular reviews to help you stay
on track

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.

    <br />Monitoring changes in your life<br />and to your goals

    Monitoring changes in your life
    and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

    Wealth Management Your Way

    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

      Let’s Have a Conversation

      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.

      Why Merrill Lynch?

      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.


      Merrill_Capabilities_Brochure.png  

      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.

      Getting to know you is our primary goal.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your plan as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.