Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
Our goals-based approach puts you, rather than the market, at the center of the wealth management process. It is designed to clarify your vision, help identify your needs, and ultimately guide you in building a customized wealth management strategy intended to help pursue your financial goals.
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.
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 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 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. Michael is an avid supporter of the Make-A-Wish Foundation, which grants the wishes of children with life-threatening illnesses. Additionally, he is a proud member of the National Italian American Foundation (NIAF). Michael is a Westchester County native and currently resides in Hudson Yards in Manhattan.
Forbes "Best-in-State Next Generation Wealth Advisors"
Forbes "America's Top Next-Generation Wealth Advisors"
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
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.
Wealth Management Banking Specialist
Wealth Management Lending Officer
Bank of America, N.A.
Bank of America, N.A.
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of 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.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
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 approach, our goal is to help you stay on track to achieve what's most important to you.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
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.
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.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
We will work to help you stay on track, regardless of what the markets are doing.
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.