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The Maldonado Group

Merrill Lynch

The Maldonado Group

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Merrill Lynch
Wealth Management

The Maldonado Group brings together the skills and talents of well qualified financial professionals who understand high net worth investing, as well as the financial needs and operations of corporate and institutional clients, i.e., nonprofits, endowments and foundations . You get a team that's committed to offering the kind of service, strategies and possessing an understanding of the needs and desires sought by clients. 

We understand that we serve at the behest of our clients and that our relationship is one of trust, a trusted advisor.

The Maldonado Group

Offering you sophisticated financial skill and capabilities

Affluent families, leading businesses and prestigious institutions seek the same thing: knowledgeable financial advice and guidance to help them pursue their goals, whether these objectives are return based, cashflow oriented, risk parity balanced and/or assistance with qualified retirement plan services. The Maldonado Group knows how to focus high-quality guidance on challenges that our diverse client base may face, and when necessary we seek out the skills of third party specialist in those areas that we may not possess the skill sets required to assist our clients. We offer the kind of insight, perspective and skills that can only come from working daily on a wide range of financial needs. With this team, you receive:

Experience — Every member of our team has significant experience working with high-net-worth families and leading businesses. If you have a financial challenge, chances are we've seen it before. If not, we can provide you with access to the specialists of Merrill investing and Bank of America banking to help you with even the most complex issues.

Skill — Your financial considerations deserve the most thorough and carefully developed strategies and tactics. You'll find our team is exceptionally well-trained and offers an extensive pool of knowledge around investments, corporate financial management, wealth transfer, endowment management and much more.

Candor — When millions of dollars can be affected by every decision, candor and clear communication are essential. We look beyond the balance sheet to develop a rapport with you, and an understanding of your needs, and to learn exactly how you prefer to communicate. We believe in straight talk matched with absolute discretion and confidentiality.

We think you'll experience our commitment to service in every interaction you have with us. You'll see it in the meetings we have, in the reports you receive and in the customized strategies that we design with you, specific to your business or family situation. We strive every day to make your priorities our priorities.  "To give anything less than your best is to sacrifice the gift".

Wealth management designed for high-net-worth families

The Maldonado Group works with high-net-worth clients to help them configure the various parts of their financial picture into a clear, easily managed framework. We carefully assess your current and future income needs, investments, cash management, credit and debt, insurance and wealth transfer provisions. Then, by accessing the investment insights of Merrill and the banking convenience of Bank of America, we offer strategies designed to save time and effort, and to help you make the most of your wealth.

Wealth preservation
We can recommend a range of investment strategies and risk-management techniques to help you preserve your assets, as well as current income streams, from the erosion that can be caused by market upheavals, taxes, inflation, interest, long-term illness or incapacitation.

Growth and income potential
In helping clients prepare for their retirement, or adapt to it, we help develop portfolios that pursue growth and distribution potential while intending to manage downside risk. Merrill's open investment architecture gives us the flexibility to recommend asset allocations across the entire spectrum of assets, including equities, fixed income, mutual funds and alternative investments.

Wealth transfer
The Maldonado Group can, with your consent, work with your attorneys and Merrill specialists to offer you a range of tax minimization strategies that can transfer your assets in your lifetime. Our team can access resources to show you the applicability of various types of trusts, gifts, separately managed accounts and family partnerships. We can also offer advice and guidance on legacy strategies and wealth transfer strategies to help move assets as you wish.

Wealth Management Services

  • Cash management through Bank of America, N.A.
  • Liquidity management
  • High-net-worth portfolio strategies
  • Retirement planning services
  • College funding
  • Estate planning services
  • Tax minimization strategies, working in concert with your tax professional
  • Credit and lending services through Bank of America, N.A.
  • Life and long-term care insurance

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
*Asset allocation does not ensure a profit or protect against loss in a declining market.
*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. 

High-level financial advice and guidance focused on your business's balance sheet

We believe that ambitious business leaders seek out The Maldonado Group because of our reputation for bottom-line efficiency and organization. With the help of Bank of America banking specialists, our team can focus on how costs can be better managed or reduced across your business. Our sophisticated advice and guidance and services are designed to help you take your business to the next level.

Treasury and cash management services
Specialists at Bank of America can offer business strategies designed to help you manage your cash flow, making it easier for you to pursue your financial objectives. We can provide you access to a range of strategies to help increase the efficiency of your cash management.

Credit and financing services
Through Bank of America, we offer access to credit and lending resources that can guide you on the most effective use of credit options available to you, from basic lines and corporate cards to equipment financing to debt and equity arrangements for business purchases.

Retirement plans
Working with Merrill retirement and Bank of America banking resources, we can offer guidance—for both qualified and non-qualified plans—on investment options and their performance, contributions, reporting and distribution options. Together, we offer your employees financial education on sensible approaches to retirement investing, and tips on setting and targeting their specific retirement goals.

Bank of America Corporate Advisory Services

  • Treasury management services
  • Revenue and cash management
  • Financing and lines of credit
  • Retirement plans
  • Liquidity management

Helping nonprofits and foundations focus on and refine their mission

Every dollar is critical to a nonprofit or foundation's work. It's no surprise, in our opinion, that more and more nonprofit leaders turn to The Maldonado Group for insightful financial strategies. We can offer advice and guidance on setting up planned-giving and wealth-transfer arrangements designed to benefit major donors as well as your organization.

Institutional banking and cash management
Working with specialists from Bank of America, our team can offer access to an array of cost-efficient services designed to make it easier for you to manage, track and report your cash and expenditures. These same specialists can provide you with guidance on donation processing, customized lending arrangements and more.

Investment advice and guidance
Working with your investment committee, our team can help you decide on the kinds of portfolios that best suit your organization's mission, risk tolerance, liquidity needs and time horizon. We can offer access to Bank of America specialists who can guide you on the management and monetization of nonliquid holdings such as real estate, business interests and other valuable rights.

Trustee services
To be most effective, your organization's assets need a viable framework and careful attention. Trustee services can provide custody and safekeeping as well as administration and compliance reporting. Bank of America Private Bank(formerly U.S. Trust) can act as an independent trustee for various types of charitable trusts.

Meet the Team

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.

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.

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

Periodic 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.

    Monitoring 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.

    Wealth Management Your Way

    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

      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.

      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.


      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.

      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.