Michael A. Mouro

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Why tomorrow should start here
Sustainability is top of mind – from environmental practices to businesses to investments. Yet as ubiquitous as these ideas are in most realms, few people articulate what sustainability means in their own personal lives. Determining how long you want your wealth to last, to whom you want to dedicate your money, and what strategy you plan to use to get there, can lay the foundation for finding broader purpose, meaning, and empowerment for all involved.

We want you to rely on us to help manage the many aspects of your own unique situation. By limiting the number of clients we work with, it enables us to devote significant time and resources to you and your family. The result: bespoke services to help simplify the complexities within your life.

A wealth management process that is logical, customized, and measurable

We use three key components – your life priorities, investment personality, and current financial situation – as a starting point to help better understand your family’s unique concerns and needs. We will outline your net worth, cash flow, time horizon, risk tolerance, tax situation, and any special circumstances that have an effect your family’s future. We will help to define your short-term and long-term goals, and establish a framework that will assist your family in pursing those goals.

We take the viewpoint that your financial situation is like that of a small institution: one with unique needs that calls for customized strategies, not a one-size-fits-all-approach. Our open architecture platform allows us to consider a broad range of asset classes and investment strategies. With a clear view of who you are as an investor, we will work together to build a financial strategy that’s transparent and dynamic.

Revisiting your progress toward each one of your goals can help you get to where you want to go. As your life and the markets change, we will meet periodically to help make sure you’re on track in pursing your goals and adjust your strategy as needed for the journey ahead. We strive to exceed client expectations through our proactive approach to communication, attention to personalized service, and commitment to continuing financial education. This type of engagement can help you pursue the investment outcomes that are most meaningful to you today and in the future.

We address specialized needs you may have
Retirement Planning Services
We offer guidance on tax-advantaged ways to structure your wealth for retirement. Taking into account future cash flow and liquidity needs, we can create a disciplined investment strategy designed to establish an income that can help satisfy your lifestyle requirements throughout retirement.

Tax-Minimization Strategies
Taxes affect every aspect of your financial life, from your investments and business income to your wealth-transfer strategy and estate plan. That's why an integrated tax management plan is vital to the success of your overall wealth strategy. We can work closely with your accountant and tax attorney to create customized tax management strategies that support your life, wealth, and legacy priorities.

Banking & Lending
The full range of cash, debt, and liquidity management services available to clients form the heart of the unique value created by the powerful combination of Bank of America banking and Merrill Lynch Wealth Management investing. Our banking and lending professionals specialize in crafting customized solutions that allow you to leverage your assets in pursuit of your financial objectives and to structure your cash accounts for maximum yield, security, and convenience.

Philanthropy
Philanthropy is an articulation of your personal values. It begins with what matters most to you and the impact you would like to achieve. We can help you select the right vehicle for your philanthropic activity — be it a charitable trust, donor-advised fund, and/or foundation — to help you maximize the benefit of your charitable contributions to both the causes you support and to your personal fulfillment.

Trust & Estate Planning Services
Wealth should last far longer than one generation. We work closely with Bank of America’s team of specialists to help you address your estate planning efforts. We can work with your accountant and trust & estate attorney in determining how to utilize trusts, life insurance, and estate taxes to your potential advantage.

Michael's Background
Michael joined Merrill Lynch Wealth Management in 2009. Having earned the Accredited Asset Management Specialist, Accredited Wealth Management Advisor, and Chartered Retirement Planning Counselor designations, he is responsible for developing strategies and recommendations for high-net-worth individuals, their families, and their businesses to help them pursue their short-term and long-term financial goals. His areas of focus include retirement planning, wealth transfer and legacy planning, investment management, and philanthropic strategies. He was recently named to the Forbes "Best-in-State Next-Generation Wealth Advsiors" List in 2019 and the Forbes "America's Top Next-Generation Wealth Advisors" List in 2018. Michael is a graduate of the Gabelli School of Business at Fordham University with a Bachelor of Science in Business Administration, with a concentration in Finance and a specialization in Business Communications. He is also a graduate of Regis High School in Manhattan. During his free time, Michael volunteers with the organization iMentor, which builds mentoring relationships that empower students from low-income communities to graduate high school, succeed in college, and achieve their ambitions. He is also an avid supporter of the Make-A-Wish Foundation, which grants the wishes of children with life-threatening illnesses. Additionally, he is a member of the National Italian American Foundation (NIAF). Michael is a Westchester County native and currently resides in the West Village in Manhattan.

*Source: Forbes/SHOOK "America's Top Next-Generation Wealth Advisors" list was developed by SHOOK Research. Advisors considered for this ranking were born in 1980 or later with a minimum 4 years relevant experience; advisors have: built their own practices and lead their teams; joined teams and are viewed as future leadership; or a combination of both. Ranking algorithm is based on qualitative measures: telephone and in-person interviews, client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criteria because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC and not representative nor indicative of any one client's experience, future performance, or investment outcome. Neither Forbes nor SHOOK Research receives compensation in exchange for placement on the ranking. Forbes is a trademark of Forbes Media LLC. All rights reserved.
*Source: Forbes “Best-in-State Next-Generation Wealth Advisors” list, September 4, 2019. For more information about the selection criteria, go to http://details-he.re/8ny9H7  . Forbes is a trademark of Forbes Media LLC. All rights reserved. These rankings and ratings are not representative nor indicative of any one client’s experience, future performance, or investment outcome and such rankings should not be construed as an endorsement of the advisor.

  • AWARDS

    Forbes "Best-in-State Next Generation Wealth Advisors"

Professional Staff

Supported by the global resources of Merrill, my 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.

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Craig R Rojek

Wealth Management Lending Officer NMLS # 300197

Tracy Hagues

Tracy Hagues

Wealth Management Banking Specialist

Peter C Bernard

Peter C Bernard

Trust 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

Mission Statement

Among the reasons I chose to become a financial advisor is my desire to help others. This passion stems from the financial challenges and hardships I have watched friends, family, and loved ones experience in the past. As witness to these difficulties, I recognized the importance of a professional and caring team to help others navigate the financial complexities in their lives and communicate openly with their family members on the sometimes difficult subject of wealth. My purpose is to help others define their financial and personal goals, establish a wealth management strategy centered on those priorities, and plan for the future their family deserves.

Philosophy

I believe the best financial strategy 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 strategies designed to help address your financial needs.

Focus On High-Net-Worth Individuals and Families

We’re fully versed in the many issues that affect wealth management. No matter what your short- and long-term goals may be, we'll begin by getting to know you as we explore the following seven priorities together:

  • 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
We work closely with other professionals to help clients pursue their wealth management goals, drawing on the investment insights of Merrill and offering access to the banking convenience of Bank of America as we do so.

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


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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.

      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.