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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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.

Marc A Balducci

Forbes "Best-in-State Wealth Advisors" 2018 - 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

The Balducci Wealth Management Group

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.

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, technology professionals 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, technology and consulting professionals, as well as many 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, technology 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).

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.