Lisa Germain

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Profile

Merrill hired Lisa in 1991 based mostly on the strength of her character forged selling business and advertising directories door-to-door immediately after college.  Her early career was predicated upon determination, and Lisa steadily applies that same attitude on behalf of her clients to this day. 

What attracted Lisa to Merrill Lynch Wealth Management? She understood the importance of being knowledgeable about financial affairs and services, and she knew learning would benefit her and those she would come to serve.  Situations where Lisa helped people gain knowledge and financial strength became her most rewarding. 

Today, Lisa is a seasoned and savvy financial advisor who brings her deep knowledge and enlightened perspectives to active and retired high-net-worth clients that span generations and the nation’s geography. Like many clients, Lisa’s entrepreneurial spirit guides her real-world approach to helping clients “see around corners” and plan for likely and unlikely circumstances.  As a Senior Portfolio Advisor, Lisa helps clients pursue objectives by managing  on a discretionary basis custom investment strategies, selecting from a wide range of Merrill Lynch Wealth Management model portfolios and third-party investment strategies to find the right blend. 

Lisa is highly credentialed and has completed advanced industry training sponsored by the Johnson School of Management at Cornell University. Additionally, she holds the Chartered Retirement Planning CounselorSM (CRPC®) designation from the College for Financial Planning. 

Perhaps most important, Lisa prides herself for giving back by helping other financial professionals, and many giving efforts within the Syracuse community.  Specifically, Lisa serves on the leadership committee of the Merrill Lynch Women’s Exchange – shepherding the Mentor Program, which matches mentors and mentees throughout the firm to help participants grow personally and professionally. Lisa is also involved in several local philanthropic activities such as the YMCA, Girl Scouts and helping with backpack drives to supply school supplies to area students.

Lisa earned a Bachelor’s degree in Biology from Alfred University. She and her husband, Robert, a managing partner at a leading Syracuse law firm, have raised three children–all competitive ski racers and athletes.  Lisa and her family grew up in Central New York, and she makes the most out of the season changes by golfing and boating during the summer, and skiing and traveling in the winter.  Most evenings Lisa can be found relaxing by taking long walks with her family and of course her fantastic French bulldog named Rocky. 

*Chartered Retirement Planning CounselorSM and CRPC® are registered service marks of the College for Financial Planning.

  • EDUCATION

    Alfred University

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.

Randall Alan Drzewicki

Randall Alan Drzewicki

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #117123

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Danika Wukich

AI Specialist

Merrill Lynch

James Gallagher

James Gallagher

Trust Specialist

Merrill Lynch

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

Twenty-five years of experience with helping individuals, families and companies succeed in the financial world has taught me some important basic pillars upon which I structure my business.  I understand every client is different, the importance of applying team research and resources to deliver exceptional customer service, and while dollars and cents are important, my success is best measured by the satisfaction of my clients.  

In the financial world, one size certainly does not fit all.  My successful business relationships vary widely, and include active and retired individuals, business owners, professors, administrators, sport professionals and corporate executives.  In my experience, our most successful client relationships are crafted first by my ability to fully grasp each individual client’s attitudes, ambitions and goals.  Next, we apply Merrill research tools to craft an investment strategy geared for the individual client.  This process may take some time and communication, but in the long run it has been proven to be a key to financial success. 

Customer service is critical to my business model, and my clients will tell you this is an area where my team absolutely excels.  My awesome Registered Client Associate, Nancy Moak-Marshall is prepared to assist clients, and with the combined strength of Merrill Lynch Wealth Management and Bank of America, N.A. behind us, rest assured we can bring the right people to the table in almost any situation.  Our resources include knowledgeable and experienced global trust, insurance, credit and lending specialists.  In addition, we often coordinate with clients’ CPAs, attorneys, other service professionals to develop critical aligned tax minimization, estate planning services and liability management strategies. 

My team and I have a heartfelt desire to help people in this challenging financial environment, and we express that desire daily.  Clients often express anxiety and concerns about things like the political climate, an end to the bull market, and whether they’re properly positioned to begin a work-optional retirement.  Others face multiple challenges – saving for college and retirement, paying high taxes and maintaining their lifestyle.  I try to live and work as a “straight shooter,” and don’t always tell clients what they want to hear.  Instead, we may employ strategies from “tough love” discussions to rein in spending during retirement to advising clients to take care of their needs first. 

My successful business model can be summarized in a simple formula:  Understand client needs and apply professional team resources to reach and exceed goals. 

*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

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.

Approach

I 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 financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment I can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, I 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.

Capabilities

My 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 investment management. My ability to provide access to the investment insights of Merrill, as well as banking, trust and fiduciary services from Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with strategies for transferring wealth to the younger generation.

Focus On Individuals and Families

I work primarily with high-net-worth individuals and families. I’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 others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

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

 

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 strategy 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.

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 strategy.

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 />Periodic reviews to help you <br /> stay on track

Periodic 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.


      Merrill_Capabilities_Brochure.png  

      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 strategy as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.