More volatility ahead:  Your key questions answered
More volatility ahead: Your key questions answered

Insight on the competing forces - inflation and slower growth - driving today’s markets

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The right financial advice can help prepare you for whatever life brings – both the expected and unexpected. Our group is highly skilled in helping to generate wealth, preserve capital, liability management, create income streams, and ultimately giving assistance to the tax efficient multi-generational transfer of assets within families and to charities.


When working with us, you’ll interact with our starting lineup of experienced and highly skilled professionals. This includes consulting with clients' external tax professionals, estate attorneys, insurance specialists, and business planners to help ensure that every facet of your life is considered when planning. It’s our high-touch relationships that allow us to be good stewards of your capital and foster feelings of confidence, connectivity, and control of your financial life.

We believe in several simple tenets, consistently applied:


Treat others as you would like to be treated.
  We look out for clients' best interests. That precept is the foundation of our work.


Work hard.
  We’re vigilant, monitoring the investment markets, coordinating trust and estate planning services, evaluating credit opportunities, meeting with a client’s external tax and legal advisors, and answering questions. We believe in a purposeful and thoughtful approach.


Be accessible. 
 Foster a warm and welcoming environment. Many clients come by our office; others know they can reach us quickly by phone or by email. In addition to face-to-face meetings, we welcome informal meetings too, serving as sounding boards for new ideas and opportunities.


Be discreet. 
Client privacy is of utmost importance to us. We’re honored to serve as confidantes on important issues and never lose sight of that responsibility. 


We pride ourselves on the long-standing and trusting relationships formed and want to be passionately involved at each critical juncture of our families’ lives.


Our group is committed to excellence and grateful for the opportunity to build a lasting relationship with your family!

  • EDUCATION

    University of North Carolina at Charlotte

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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Dino J DiMeo

Wealth Management Banking Specialist

Merrill

Kelly Siglinger

Kelly Siglinger

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1530990

Ryan Thrower

Ryan Thrower

Wealth Strategist

Merrill

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

Personal Attention, Outstanding Service

Our approach is scalable and nimble, able to respond quickly to market opportunities as needed. We provide a concierge-style service driven by a deep understanding of clients' overall goals and objectives. Clients’ lifestyle needs, cash-flow requirements, and wealth preservation goals are the cornerstones of our work. We begin by asking what matters to the families we serve, and never stop asking that question.

There’s tremendous value in helping clients and prospective clients think critically when developing a targeted, customized wealth plan and having a tangible personal benchmark to reference during future discussions. Whether the subject is retirement, education for children or grandchildren, business planning, estate and tax planning services or philanthropic objectives... specific goal setting is critical to developing an appropriate financial strategy.

Effective strategies can help reduce your tax burden, optimize distributions, and allow for efficient transfer of wealth to loved ones and charities. Our group works with clients to nurture a balanced approach to life and wealth, encompassing multiple priorities: family, health, career, and philanthropy.

From implementation forward, we track the portfolio, as well as your progress toward your goals. With the help of sophisticated tools, such as probabilistic modeling, we’re able to recommend adjustments as the market, geopolitical and economic environments dictate.

We strongly believe that “success” has many definitions, and we strive to be a critical resource for families as they pursue engaged and fulfilled lives!

We Care About What's Important To You

The financial services industry can make things unduly complicated; we strive to streamline and simplify. For us, the keystone is thoughtful conversation and detailed understanding of your life, your wealth and what you want to accomplish. This effective communication matched with our carefully constructed infrastructure creates trust and together they sow good stewardship and impartial advice.

When we meet with clients and prospective clients, we ask them exactly the type of information they wish to receive from our planning engagement, and then execute on that preference. This effort considers where you are now, tolerance for risk, liquidity needs, time horizon and where you see yourself and your family in 5, 10 or 20+ years.

The work we do is comprehensive and highly integrated. Our deliverables are truly customized, consolidating personalized information in a manner outlined by each client. No one has a master catalog of strategies and tactics. In our experience, well executed risk management within an investment portfolio is the key driver of long-term investment performance.

As a client, you’ll have complete support and personal attention from our dedicated four-person wealth management team, with each member having a specific role and skill set. In addition, we’ll consult with other specialists within Merrill and Bank of America as needed, to provide access to support for banking, lending, and tax minimization strategies in concert with your personal tax advisor and estate planning services so that you and your family always have a plan driven by design, rather than by default.

"Success" in our mind is measured not just by ones’ financial well-being, but also by how confident one is about their future and family legacy!

Capabilities

Using the broad investing resources of Merrill, I can also assist with potential solutions for income management, education funding, retirement income planning, and guidance for executives with concentrated stock positions, traditional and alternative investments, wealth transfer and estate planning services. And with your permission we can also work closely with your other professionals, such as attorneys, accountants and specialists, to help you pursue your goals.

DISCLOSURE: Some or all alternative investments may not be appropriate for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other appropriate investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Your Financial Approach

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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

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.

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

      We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue 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.


      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.



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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.