DiMedio & Associates

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DiMedio & Associates

Wealth Management Group
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Merrill Lynch
Wealth Management
Mission Statement

Managing wealth is a process that involves many personal decisions and our team is committed to being there for you every step of the way. Whether you are seeking to fund your current lifestyle, save for your children’s education, or provide investment income for your retirement, we truly listen to you. By doing so, we can offer specialized advice and guidance as you pursue your financial goals and dreams.

DiMedio & Associates

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Value Proposition

We operate as a small boutique inside a global bank offering a suite of personalized services:

1. Partner – We strive to make an impact every day. We will be with you when goals appear to be unbalanced and distant and celebrating with you during life events and when goals have been realized.

2. Wealth Management Planning – We clearly articulate how each financial decision impacts financial security; both in the long and short-term. We focus on outcomes to the stuff that matters to you: buying a home, planning for retirement, and education of future generations.

3. Investment Advisory Services – Have a clear understanding of your financial goals to help make sure your lifestyle is never disrupted. Our objective is to help secure, improve, and preserve investment assets offering a completely objective asset allocation mix.

4. Banking Services – Facilitate and assist with credit and balance sheet management including basic banking, mortgages, credit cards, bill payment etc. 

5. Retirement & Executive Plans - We understand the retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer. We offer the strategies your employees may need to help pursue their financial goals and maintain financial wellness. Our team will make your priorities their own and help reduce your administrative burden so you can focus more on your business.

6. Global Commercial Banking (GCB) – We are able to provide access to GCB and a full range of commercial banking services to help your organization meet today’s challenges head-on and fuel sustainable growth. Specialists are committed to providing institutions like yours with banking solutions, including cash management and lending as well as investment strategies through Merrill Lynch.
 

Banking products and services provided by Bank of America, N.A.

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Philosophy

We believe that your unique goals should be at the center of all of your financial decisions and form the groundwork for your financial strategy. Because wealth requires sophisticated, highly customized strategies, we believe in building lasting relationships with you, taking the time to understand your most important priorities in the short-term and for your long-term future. Our philosophy seeks collaboration. Working with a team of specialists, we draw on the resources and insights of a global financial institution to build strategies that reflect your ambitions for yourself and family. Finally, we believe that while wealth brings complex challenges, our experience, passion, and perspectives can help you simplify your life.

We believe the best financial strategy is the one that helps you pursue your goals. That’s why, from the start, we talk about your goals and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill Lynch and the banking convenience of Bank of America, we will work with you to develop strategies designed to address your financial needs.

Life is unpredictable. Even with careful preparation, you may experience changes in your financial situation. You can expect caring, personalized attention from DiMedio & Associates at all times, but especially when you need it most.

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Our Capabilities

A broad array of strategies designed for sophisticated financial needs.

• While we help individuals and businesses manage their assets for the future, that's only the beginning.
• Our team can offer you access to strategies across the financial spectrum.
• We offer solutions that take into consideration your needs, goals, risk tolerance, investment time frame, and liquidity requirements.
• No matter where your life or business takes you, we can help you maintain focus on what you value most.

Investment services, banking services, & personal service.

• Because we work with clients holding significant assets, we can offer you access to a customized suite of high-level financial services.
• Our team can offer individual client approaches to asset allocation, wealth management strategies, estate planning services, and retirement planning services, as well as insurance and risk management strategies.
• We can also provide access to banking, credit, and lending through Bank of America.

An open investment platform.

• Through our team, both individual and corporate clients have access to Merrill Lynch's open investment platform.
• We can assist with investment strategies and wealth preservation strategies using domestic and international equities, fixed-income, mutual funds, exchange-traded funds, market-linked investments, alternative investments, annuities, and life 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.

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Wealth Management

A higher level of wealth management, insight, and service.
Because our team works with affluent families across the country, chances are we've seen your financial challenges before. Our years of experience in managing through multiple market fluctuations have helped us understand that we can help you pursue your goals by being consistent in our approach. We’ll work with you to create a portfolio strategy that helps you pursue your goals – no matter the financial environment. We’ll take into account your objectives, time horizon, and liquidity needs and, perhaps most important, your sensitivity to risk and investment personality.

Wealth Preservation
We can help families pursue their financial goal of developing their assets over time. They may also have business interests, deferred compensation or other tax-deferred assets, or legacies from inheritance or trusts. We can offer long-term portfolio recommendations designed to help maintain your core wealth structure, while seeking smart, sensible growth. We also look at various ways to help you manage your risk, taking into account the potential hazards of income loss, taxes, inflation or the unexpected passing of a key provider.

Retirement Planning Services
DiMedio & Associates has worked extensively throughout the retirement arena, so it's no surprise that affluent individuals approaching retirement have sought our advice and guidance. We offer highly customized strategies to help you pursue the kind of post-working life you want. We look at what kind of lifestyle you envision, where you want to live, how extensively you will travel, and what kinds of health care savings you will need. This understanding helps us offer you a range of income and distribution options tailored to your needs and goals, no matter where retirement may take you.

Your Financial Management
Regardless of where you are in your life or career, we believe informed financial management is essential to helping you keep more of your assets and income. We can work in collaboration with your tax and other professionals to show you where we think you may be overspending on taxes, debt, and other expenses and obligations. We can help you bring together key aspects of your financial life into a single over-arching structure that evolves as your life changes.

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Retirement Benefits Consultant

As Bank of America Merrill Lynch Retirement Benefits Consultants (RBC), DiMedio & Associates is one of a select group of highly qualified and credentialed Merrill Lynch advisors specialized in defined contribution plans who can add value to your plan by:
  • Offering access to 3(21) fiduciary services.
  • Helping you shape your investment strategies.
  • Offering thoughful advice without a proprietary investment requirement.
  • Providing periodic reporting and helping you understand results and measurements to assist you in managing your plan over time.
  • Working with you to create a plan that is designed to drive employee engagement and positive participant behavior.
  • Assisting in the delivery of employee financial wellness programs and education.
  • Helping employees connect their life priorities with their finances to help them pursue what matters most to them.

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Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:

  • 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
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Christopher G DiMedio

Forbes “Best-in-State Wealth Advisors”  2018 & 2019

Meet Our 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.

Michael Perticari

Michael Perticari

Retail Sales Manager NMLS # 535721

Aileen T. Takio

Aileen T. Takio

Director, Retirement Plan Specialist

Christopher M Caradec

Christopher M Caradec

Trust Specialist

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
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 you stay on track to 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.

    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.

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    Access to what you need, when you need it

    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

      *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. Merrill Lynch Wealth Management 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 Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


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      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.

      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, 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.