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Big changes in healthcare – will they change your financial life?
Big changes in healthcare – will they change your financial life?

Watch experts answer key questions to help you and your employees prepare for rising costs and game-changing innovations in our healthcare system.

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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.

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.

Aileen T. Takio

Aileen T. Takio

Employee Benefits Specialist

Bank of America, N.A.

Alison Guard

Alison Guard

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #535296

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

The clients we serve come to us from many walks of life, but we believe all for the same reason: They seek the family-based attributes that we strive to provide every day. These clients are either owners of closely held businesses, or corporate executives or professionals. We work with successive generations of families. No two families are alike. So each receives individualized wealth management strategies built around their personal and life goals.

Goals Based Wealth Management

Life is a series of decisions. This belief drives everything we do as we help you connect your life and your finances. We work with you--the client--to identify your goals. We help you organize your goals as your essential needs, your important wants and your aspirational dreams. We help you analyze, strategize and allocate assets according to each of those goals. Then, you invest. As your goals evolve or circumstances warrant, we measure and guide you in adjusting - never losing sight of your needs, wants or dreams. We often work with clients for decades, even into second and third generations. We strive to help them understand that with the tools and resources we provide to help you pursue your family and life goals, a sense of confidence may emerge, sheltered from the sensationalism of investment-related hype. Our goal is to help you pursue your objectives and those of future generations.

Our Philosophy

Life is a series of decisions. This belief drives everything we do as we help you connect your life and your finances.

We work with you—the client—to identify your goals. We help you organize your goals as your essential needs, your important wants and your aspirational dreams. We help you analyze, strategize and allocate assets according to each of those goals. Then, you invest.

As your goals evolve or circumstances warrant, we measure and guide you in adjusting – never losing sight of your needs, wants or dreams.

Our approach has resulted in clients working with us for decades, even into second and third generations.

When return on investment is measured in terms of progress toward family and life goals, calm replaces the sensationalism of investment-related hype.

This search for a calm connection between your life and your finances is the hallmark of our practice.

Our Capabilities

Our attention to detail is evident in every step of our wealth management process. We bring the different parts of your financial life together. Our team includes members that hold the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, as well as the Chartered Advisor of Philanthropy® (CAP®) designation, thus putting the team in a position to have serious discussions with you and have the planning tools to back it up. Yes, we do trusts, including trusteed IRAs which help protect your family down the road, home financing and lines of credit through Bank of America N.A. as well as life insurance including Long Term Care coverage in combination with investment process and discipline.

CAP® and Chartered Advisor on Philanthropy® are the property of the American College, which reserves the sole rights to its use, and is used by permission. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.

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

      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.


      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.