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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Meet Our 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 Fiala Ruivo Group, we have a proud story that continues to be told. It revolves around the deep and enduring relationships we’ve built with a loyal and growing bi-cultural clientele.

Our mission? To create immeasurable value for clients whose wealth spans generations and the world’s geography – typically those residing in the U.S. and internationally. Delivering an exceptional degree of diligence and devotion, we are intentional and caring in our highly personal approach.

Who do we serve? A wonderful blend of ambitious women, men and their families. Most are successful business owners and active and retired executives of domestic and multi-national companies. In the United States, we assist architects, writers and attorneys (including members of the LGBTQ community), as well as divorced and widowed women, and our colleagues on Wall Street who trust our ability to invest wisely on their behalf.
 
We are well aware that each client’s achievements have led to significant wealth. Therefore, it is incumbent upon us to help manage that wealth responsibly and in the most responsive manner by being readily available when they call. It’s just one aspect of our boutique-like, white-glove service model. Results and relationships matter to us – and especially, to people with complex financial circumstances.

At the heart of what we do is our planning-based approach. From the outset of each relationship, we help clients explore their most cherished goals for themselves, and the people they love. By asking questions and listening more than talking, we help clients identify the purpose of their wealth, so that the multi-pronged strategy we develop can help them feel comfortable in its pursuit.

Value Proposition

We bring a world of knowledge and decades of experience  to generations of clients in the U.S. and abroad. 
Most satisfying are their referrals to those who can benefit from trusted advisors and our boutique-like attention.

A Heritage of Trust and Care

At The Fiala Ruivo Group, we value the relationships we enjoy with clients and believe that they do the same. Virtually all of those we’ve served over the years remain our clients today. A growing number have referred others – friends, colleagues and family members across continents and generations.

At the core of our offering is a commitment to act as caring, trustworthy stewards of clients’ interests – financial and otherwise. Thanks to the breadth and depth of each relationship, we find it easy to treat clients like members of our own families. In face-to-face meetings, we try to ask questions of both spouses and, when appropriate, clients’ grown children. We see clients as people, not portfolios. We consider many clients to be among our closest friends.

Each of us speaks the language – and understands the culture – of our clients. As bi-lingual and bi-cultural advisors, we can help clients feel comfortable telling us about their proudest accomplishments and greatest concerns. Clients come to us with wealth, but have little time to manage their substantial assets. In hearing stories from clients, we learn that their hearts and minds are typically focused on positioning family members for results in the near future and for generations to come.

Regardless of what drives clients, we are driven to be their “first and only call” when any issue arises – from liquidity to lending, from investing to intergenerational wealth planning. Decades of experience have provided us with a rich repository of knowledge – having addressed issues that are similar and often identical to what clients face today.

Given our attitude and aptitude, we have attracted clients and families we’ve long admired. We are proud to serve them and even prouder of the manner in which we do.



*Banking and lending services provided by Bank of America, N.A.

What Clients Can Expect

At The Fiala Ruivo Group, we summon our wealth of knowledge and complementary skillsets to create uncommon value for clients and their families. The quality and longevity of our client relationships remind us of the roles we play and the trust we’ve earned.

As our client, you can expect that we will:

• Talk to you frequently – more often than a previous advisor might have. In fact, speaking to you once every two months is not common. By staying on top of your situation and ambitions, we can provide the level of wealth management that is proactive, rather than reactive.

• Coordinate efforts, when helpful, with your CPA and attorney – whether you reside in the U.S. or abroad. Tax consequences are critical, which is why we will focus on yours throughout the year, not just at “tax time.” Equally important is your intergenerational wealth planning strategy, which we will help design to allow your assets to pass along efficiently to family members in accordance with your wishes. Extending our reach beyond what many advisors do, we provide what we call “pre-estate planning services” – saving clients time by giving our thoughts and notes to their attorneys.

• Work dynamically and responsibly with multiple generations of your family. Our team members’ ages align nicely with older and younger clients – allowing us to nurture relationships with each member of your family. As a team, we will talk, travel and meet with you – as often as needed. It is our belief that “Every client is everyone’s business.”

• Apply our extensive understanding of regulations in the United States and internationally. Our deep knowledge of currency issues, inflation, wealth transfer and tax consequences also allow us to construct forward-thinking wealth management strategies meant to serve future generations.

• Invest with a seasoned and watchful eye on global conditions and opportunities. If you reside in abroad chances are you favor investments in U.S. dollars. To help mitigate portfolio risk, we focus on diversification across asset classes and sectors. We also look to optimize both sides of your balance sheet – assets and liabilities. Offering the worldwide capabilities of Bank of America, N.A., we can help you access residential, securities-based, and commercial lending. On your behalf, we will call upon specialists throughout the firm. Bringing these people to the table can represent a rare combination of sophistication, resourcefulness, customized strategies and an extra measure of unbiased insight.

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.