The Maldonado Group


Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Where do we begin? It starts with you.

At Merrill Lynch, 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

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. The Maldonado Group knows how to focus high-quality guidance on individual situations. We offer the kind of insight, perspective and skill 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 Lynch 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.

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 Lynch 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 Lynch'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 Lynch 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 investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
*Asset allocation does not ensure a profit or protect against loss in a declining market.
*Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.
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 Lynch 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. U.S. Trust can act as an independent trustee for various types of charitable trusts.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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 Services2
  • Education Funding Strategies1
  • 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 Funds2
  • Private Foundations2
  • Charitable Trusts2
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 give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life 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.

Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we 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 financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.

Transcript of Video 

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 Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

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