Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Recognition

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

Stephen A Pollard

Barron's "Top 1,200 Financial Advisors: State-by-State" 2016 - 2022
Published annually in February - March. Rankings based on data as of September 30 of the prior year.

Christopher G DiMedio

Barron's "Top 1,200 Financial Advisors" 2024
Published on March 8, 2024. Rankings based on data as of September 30, 2023.*

Forbes "Best-in-State Wealth Advisors" 2018 - 2024
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

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.

Giancarlo Barone

Alternative Investments Regional Specialist

Bank of America, N.A.

Michael Perticari

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #535721

Christopher Caradec

Wealth Strategies Advisor

Bank of America, N.A.

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

At Pollard, DiMedio & Associates, we believe that managing wealth is a process involving many personal decisions. Our experienced team is committed to working with you and your family at every stage of your financial life.

We begin by asking smart, tough questions and listening carefully to understand where your wealth stands today and where you want it to be in the future. Then, we can help you design and implement a wealth management approach tailored to your personal goals, priorities and aspirations. Throughout our relationship, we’ll work closely with you to align your financial strategies with changes in your life.

We welcome the opportunity to show you how we can work together to address the challenges and opportunities of wealth.

How we help clients

The various stages in life often require adjustments in your financial and life goals, including:

  • The retirement lifestyle you envision
  • Preparing for the cost of the best education possible for your children and grandchildren
  • Wealth transfer to the next generation
  • Establishment of their legacy through family foundations and philanthropy
  • Diversifying business interests
  • Potential strategies for managing concentrated equity holdings

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 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.

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'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 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.

Our Online Capabilities

Enjoy convenient, secure account access with MyMerrill®

We’re here to help you pursue your goals — and to make your busy life a little easier.  With MyMerrill, you can access your investment accounts how, when and where you want to.

MyMerrill Features includes:

  • Portfolio Summary
  • Holdings
  • Unrealized & Realized Gain/Loss
  • Research & Insights
  • Activity
  • Statements
  • Secure Message Center
  • Real–Time Quotes
  • Money Transfers
  • Available to Withdraw (Cash and Margin)
  • Documents Vault
  • Bill Pay
  • Downloads
  • Watchlists & Alerts
  • e-Signature
  • Pay Merrill and Bank of America Credit Cards
  • Authorized Account Access (3rd Party)
  • My Financial Picture
  • MyMerrill Security Features
  • Document Scanning
  • MyMerrill Mobile App (available on Android, iPad and iPhone mobile devices)

Here are some links to help you understand how it works. 

To gain access or to learn more, please contact our team today!


Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Retirement Benefits Consultant

Anthony Ferrandino is part of a select group of highly qualified and credentialed Merrill advisors focused on corporate retirement planning. As a Retirement Benefits Consultant, our acumen includes:

  • Plan Design – Creating a plan that aligns with your benefits philosophy, makes the most of your budget and helps your employees prepare for retirement.
  • Investment & Fiduciary Risk Management – Helping you fulfill your responsibilities for investment selection and fiduciary risk mitigation. We offer access to both 3(21) & 3(38) fiduciary services.
  • Employee Engagement & Financial Wellness – Delivering innovative, tailored messaging for key life stages.
  • Regulatory Conformance – Providing resources and ongoing education, such as the Plan Sponsor Compliance Resource Guide and the Fiduciary Compliance Checklist, to help you understand your fiduciary responsibilities.
  • Expense Control & Disclosure – Helping you ensure plan fees are reasonable and you get the most out of your benefits budget.
  • Recordkeeper Plan Administration – Resources and experiences to help manage your plan effectively.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Past Events

Pollard, DiMedio & Associates Quarterly Market Update

April 17th, 2024|12:00 PM - 12:30 PM EDT

Join Chris DiMedio, Managing Director, Wealth Management Advisor at Merrill and Jordan Jackson, Executive Director, Global Market Strategist at J.P. Morgan Asset Management to hear insights and expectations for the second quarter and the rest of the year.
Chris and Jordan will start the call with a rapid fire Q & A addressing important market topics.

    Social Security: Understanding Your Options

    February 22nd, 2024|12:00 PM - 12:45 PM EST

    Making decisions on when to collect Social Security can be influenced by many factors including your current health, family longevity, marital status, and the age difference between you and your spouse.

    Join Pollard, DiMedio & Associates for an informative call on understanding Social Security with Ryan Bertrand, Vice President and Managing Director, Advance Markets at Transamerica.  The following will be covered on the call:

    • How your Social Security benefits are determined
    • Strategies for deciding the best time to begin collecting Social Security
    • General rules around survivor benefits
    To join this call or for additional information, please reach out to your financial advisor or Dawn Wyatt. 

      Year in Review and 2024 Market Outlook

      January 18th, 2024|12:00 PM - 12:30 PM EST

      2023 started strong but events around the world began causing investor concern and market volatility.   Toward the end of 2023 the markets and economy started to rebound easing investor concern.  We are optimistic that 2024 will present opportunities that were not present in 2023.

      Join us for a recap of the markets in 2023 and to hear insights into what we expect for the first quarter of 2024.

      If you would like to participate on this call, please reach out to your financial advisor or Dawn Wyatt for details.  

        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.


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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.

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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.


            The Power of the Right Advisor®
            Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

            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.