Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
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Our team is comprised of talented and experienced advisors committed to building strong client relationships based on trust and personalized service.
The Bates Caputo Wealth Management Group delivers long-term financial strategies for high-net-worth clients using Merrill Lynch Wealth Management’s impressive suite of resources. Prior to the founding of the group, John and Scott spent a combined 30 years in the investment banking groups of several prominent global financial institutions. During that time, they worked with institutional investors in the fixed income, commodity and equity divisions of those firms. Today, The Bates Caputo Group caters to individuals who can appreciate its deep knowledge of capital markets while providing a distinct level of acumen and service.
“Our banking backgrounds taught us the value of servicing clients. We strive to earn the trust of our clients who can benefit from the sum of our experiences,” John says. “Additionally, the combination of Bank of America, Merrill Lynch Wealth Management and Bank of America Private Bank (formerly U.S. Trust) represents a compelling platform for clients to draw upon. We feel the firm is well positioned to deliver banking, trust and investment advice in a coherent and coordinated way. The synergy across the firm is strong and clients are experiencing it.”
On behalf of a diverse clientele – family offices, private equity, hedge fund and banking professionals, as well as business owners, foundations and endowments – The Bates Caputo Wealth Management Group incorporates long term strategies as a core tenet of its investment process. Through an initial survey and several conversations, John and Scott seek to gain a good sense of a client’s goals, life priorities and investment knowledge. This allows John and Scott to use their understanding of a client’s framework to craft wealth preservation and transfer strategies that can benefit future generations. Once completed, this allows the team to customize a risk-adjusted portfolio for each client. Efforts are also made to identify appropriate lending opportunities for clients by providing access to Bank of America, N.A.
“Whether speaking to our primary contact, a spouse or grown child, we want to help ensure that wealth is optimized and passed along efficiently,” Scott says. “As each relationship develops, we often coordinate with a family’s CPA or attorney – in the event that a new legal construct, such as a trust, is introduced. Being an architect of a well-balanced, thoughtfully conceived wealth management strategy demands our considerable effort and ongoing focus.”
We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.
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 help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.
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 give you a sense of the full assessment and help us provide you with additional insights and resources.
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.
Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.
For corporate executives, we offer guidance for diversification* of concentrated stock positions. For business owners, we can help them build company benefit plans and provide access to Bank of America for help in addressing cash flow, lending needs and other bank-related needs. For those nearing retirement, we consider inflation, health care costs and other factors to help them pursue desired lifestyles. We are available to talk with clients and explore potential opportunities with them.
*Diversification does not ensure a profit or protect against loss in declining markets.
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.
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.
Senior Wealth Management Lending Officer
Bank of America, N.A.
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.
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.
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Your advisor is a click away within our site or mobile apps
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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 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.
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 will work to help you stay on track, regardless of what the markets are doing.
We get to know you and your family, your financial situation and what matters most to you.
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.