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Ryan T Galardi



With a forward looking approach, the Galardi Group addresses the diverse financial requirements of individuals, families and entities in the Philadelphia area, throughout Pennsylvania, the Midwest, and along the East and West Coasts.

The clients they serve include – Fortune 500 executives, physicians, dentists, attorneys, accountants, entrepreneurs, retirees, widows, divorcees, couples in their first or second marriage, endowments and charitable organizations, and those who through their efforts –achieved the American Dream.

The Galardi Group can help assess any number of specific interests related to: growth of capital and income, concentrated stock accumulation, risk tolerance, diversification, tax efficient and socially responsible investments, asset preservation, retirement income planning, healthcare concerns, and wealth transfer.

With insight on how individuals think and feel about investing, Ryan adds, “One size doesn’t fit all. Our process comes from knowing our clients well, and the risks they may face at their stage of life. We know that sorting through today’s information exchange and conflicting opinions –often overwhelms and confuses people. Without reliable research and capabilities, people can become indecisive or make any of several common mistakes related to their financial life. One can go anywhere and let their assets sit idle, or invested too broadly absorbing risk -thinking it’s the solution,” he explains. “Reassurance during market volatility, knowing the purpose of your investments, and a having a disciplined strategy that accounts for your goals and how quickly the world is changing –is essential.”

The Galardi Group has evolved with both the markets -and the varying needs of today’s multigenerational investors. While stock and bonds indices can be useful tools in evaluating portfolio progress, the team’s customized and collaborative approach goes beyond just performance data.  “Understanding where someone came from, where they are now, and where they want to go is the key to identifying and prioritizing what is most important to a person. Our team has the greatest respect for this opportunity," Ryan explains.

With access to a global network of specialists and research capabilities within the firm, the team can also help clients and families as they fund educational needs, finance a first or second home, finance recreational air or watercraft, evaluate insurance needs, or prepare for one's responsibility concerning aging parents and family members with special needs.

Ryan T. Galardi, CFP®
Senior Vice President
Wealth Management Advisor
Portfolio Manager

Raised in the Philadelphia area, Ryan was introduced to the back pages of The Wall Street Journal at an early age by his father, Bill Galardi. Ryan considers his father Bill, who served as the team's Senior Consultant until April of 2015, his greatest mentor and advisor. After serving his beloved country, his father Bill was hired at his hometown Merrill office in 1971, and sent to New York for management training. Bill's nearly 44 years worth of responsibilities took his wife Nancy and their family - from Wilkes Barre, PA to New York City, Des Moines,IA Pompano Beach, Fort Lauderdale, Chicago, Detroit, Philadelphia, Doylestown, PA and most recently to Blue Bell, PA. Ryan considers his father's legacy a roadmap of example, and the core of their family-centric business philosophy.

A graduate of La Salle College High School, Ryan received his undergraduate degree from the College of Charleston in South Carolina, and Master’s degree in Finance from La Salle University. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. 

Originally hired by Merrill in 2001 to work with clients throughout the country at the firm’s Financial Advisory Center, Ryan joined the Galardi Group as a financial advisor in 2005.  He enjoys spending time with his two children, their family and friends. Some of his additional interests include: History, Chess, Music, Golf and Tennis.

Theresa “Terry” McDonough
Registered Senior Client Associate

A 25+ year veteran of financial services, Terry launched her career at BCG Securities and arrived at Merrill Lynch in 1997. Having known many clients for decades, Terry understands that as the size and diversity of wealth increases, the complexity of the challenges many clients face often increases, too. Her combination of experience, process and client commitment helps in forging long-lasting and successful relationships. Terry takes the time to know clients as individuals and investors, and values the many relationships the team has developed over time.

She is proud to deliver an outstanding level of proactive service and responsive attention to a wide range of clients’ transactional, account and administrative needs.

Terry is a native Philadelphian and has lived in Harleysville, Pennsylvania since joining the firm. She and her husband, Tom, are proud parents of their daughter, Nicole, who attends Kutztown University. An active runner, hiker and lover of the outdoors, Terry dedicates her free to time toward fundraising for local youth outreach programs, assisting communities rebuilding from natural disasters, and providing meals to local food banks and homebound residents.

Impact investing and/or Environmental Social Governance (ESG) investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.




    La Salle University

    College of Charleston

    La Salle College High School

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.

Christopher Caradec

Christopher Caradec

Trust Specialist

Bank of America, N.A.

James F Ade

James F Ade

Retirement Specialist

Merrill Lynch

Aileen T. Takio

Aileen T. Takio

Retirement Plan Manager

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


As a Merrill Lynch Wealth Management Advisor, I offer advice based on your goals and priorities– for yourself, your family, and your business. Our goals-based wealth management approach places the investor at the center of our focus, not the market. I can help you understand the pros and cons of every decision and maintain discipline so you can pursue your goals. As your needs or market conditions change, I will continue to work with you to agree upon adjustments to your investment approach.


We live in a world that's constantly changing. Markets can fluctuate frequently. Potential investment opportunities can arise daily. Regulations are amended. That's why I believe that you and your situation are the best starting points from which to help plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because by understanding you and your priorities, I can more effectively offer my experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.


No two investment approaches are alike because no two investors are alike. I'll examine several components — your life priorities, investment personality and financial situation — and work together to help you create a customized, actionable approach with personalized advice and measurable goals. I'll help you track progress to your goals and work with you to adjust your investment approach over time, as needed.


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.

Focus On Individuals and Families

I can offer advice and guidance designed to assist you in making investment-related decisions and trade-offs that can help you reach personally meaningful goals.  So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I’ll start by getting to know you and how you feel about the following seven life priorities.:

  • 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


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 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.

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 approach.

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 I can help you create a financial approach that reflects your personality. Only then can I 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.