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Profile

Our Clients

Cosmin Cotet is a Financial Advisor and Senior Portfolio Advisor within the Merrill Lynch Wealth Management 5th Avenue Office in New York City. He helps deliver the investment resources of Merrill and the banking convenience of Bank of America to individuals, families, as well as to institutions, and charitable foundations. Together with a team of specialists, Cosmin provides financial advice and guidance to individuals with complex financial needs and demanding lifestyles. He primarily works with corporate executives, business owners, hedge fund and private equity principals, lawyers and doctors. 

"Our focus is centered on helping clients achieve outcomes that are personally meaningful to them. So, our approach is to uncover a deeper understanding of core concerns and priorities in order to develop portfolios and align resources to best achieve each goal."

Investment Approach and Services

Cosmin focuses on goals-based wealth management. His approach involves "taking inventory" prior to building an investment plan that uses his clients' unique goals as a benchmark. Cosmin has been an early advocate for incorporating ESG strategies in the fabric of his clients' portfolios.

"Most of our clients believe in a long-term approach to investing, as this limits the need to react to every blip of the markets. Mitigating risk is of utmost importance as we strive to build portfolios that can withstand various market pressures. However, rather than trying to anticipate every zig and zag, our strategies aim to generate value in periods measured in years, not days."

To complement traditional wealth management services, Cosmin facilitates meetings with the firm's extensive network of lenders, trust & estate, and philanthropic experts. 

"One of the advantages of working at Merrill is the flexibility to hand-pick the strongest specialists across the firm and leverage their knowledge and expertise to better serve our clients."

The services Cosmin and his team provide are aligned with the interests of their clients through fee-based compensation, instead of commission.

"This approach allows our wealth management strategies to go beyond the single dimension of investments."


Cosmin Cotet

Prior to joining Merrill Lynch Wealth Management, Cosmin served as a Director at the John McEnroe Academy in New York City. He is a former professional tennis player, high performance coach, and consultant to a number of professional athletes and coaches. 

Cosmin earned a BS in Communication Studies, cum laude, from Texas Christian University. At TCU, he was the captain of the varsity tennis team and was nominated for the Student-Athlete of the Year Award. He holds an MBA in Finance & Investments from Southern Methodist University, where he received the Dean's Circle and Edwin L. Cox Business Leader Awards. While at SMU, Cosmin also served as Head of the Women's Tennis Program, where he coached an NCAA National Champion. 

He speaks fluent Romanian and French and has a passion for the arts, racquet sports, and sailing. Cosmin currently lives in New York City with his wife, Sara. They enjoy spending their weekends in Larchmont.



*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating. 

  • LANGUAGES

    English, French & Romanian

  • EDUCATION

    Southern Methodist University

    Texas Christian University

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.

Brenda Dolan

Wealth Strategist

Merrill

Michael Savino

Alternative Investments Regional Specialist

Bank of America, N.A.

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

As a Financial Advisor with Merrill Lynch Wealth Management, I help deliver the resources available at our firm to individuals and families, as well as to institutions and private foundations. I work in close collaboration with Cohen & Associates, a nationally recognized wealth management team headquartered in the Bank of America Tower in New York City.

Our focus is centered on helping clients achieve outcomes that are personally meaningful to them. So, our approach is to uncover a deeper understanding of core concerns and priorities in order to develop portfolios and align resources to best achieve each goal. We work with corporate executives, company founders, doctors, lawyers, and finance professionals.

We offer clients the following:

• Customized investment plans
• Pre- and post-liquidity event strategies
• Custom commercial and residential lending (NMLS ID 1635456)
• Cash management services including checking, savings, and bill-pay
• Insurance, including permanent, term, and long-term care
• Management of concentrated stock positions, hedging, monetization, and diversification strategies
• Trust and estate planning strategies
• Philanthropic services
• Access to family office services



*Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Philosophy

I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Approach

No two investment approaches are alike because no two investors are alike. I'll examine several components — your life priorities, investment personality and financial situation — and work together to help you create a customized, actionable approach with personalized advice and measurable goals. I'll help you track progress to your goals and work with you to adjust your investment approach over time, as needed.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

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

Capabilities

My ability to provide access to the investment insights of Merrill and the banking convenience of Bank of America allows us to help you devise potential solutions designed to help preserve, grow and distribute your wealth. I strive to exceed client expectations through our proactive approach to communication, my attention to personalized service, and commitment to continuing financial education.

Focus On High-Net-Worth Individuals and Business Owners

I  offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances.

No matter what your goals may be, I begin by helping you define and prioritize your financial goals based on the following seven areas:

  • 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 and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together; defining your financial goals
I'll also draw on my industry knowledge and experience to offer:
  • Potential risk management solutions
  • Trust and estate planning services
  • Potential wealth management solutions
  • Access to Bank of America for your credit and banking needs
This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

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 I can help you create a financial approach that reflects your personality. Only then can I 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.