Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
The LBDL Group is a team of highly skilled and knowledgeable professionals with 60 years of combined experience helping affluent individuals and families address their sophisticated wealth management needs. From our office in Guaynabo, we provide hands-on financial advice and guidance to entrepreneurs, executives and business owners residing across Puerto Rico and the United States. We also serve a number of businesses on the island.
Combining the extensive resources and broad capabilities of a global wealth management firm with intimate, personalized service, our team seeks to help clients pursue their goals through disciplined wealth management based on an in-depth understanding of their priorities and financial situation. Our goal is to simplify clients’ financial lives by helping integrate the various facets of their wealth management and giving them a single point of contact for their needs, requests and questions.
Many of our relationships with clients span several decades and multiple generations. We believe this is a testament to the high level of professionalism and responsiveness that we bring to every interaction and our commitment to making their wealth management experience both effective and enjoyable.
Affluent Individuals and Families
Our team understands the demands and responsibilities of significant wealth. We can help you build, preserve and transfer your wealth through disciplined investment and tax minimization strategies, as well as retirement planning services. We also provide access to a Wealth Management Lending Officer from Bank of America, N.A., who can assist with an expansive array of lending strategies. Additionally, working with Bank of America trust and estate planning specialists, we can assist you in finding strategies designed to help minimize estate taxes and address philanthropic and other legacy planning needs.
Closely held businesses can raise myriad emotional and financial issues. We can assist in coordinating your business and personal finances by providing retirement plan and business succession services, and helping develop gifting and customized insurance strategies. Through Bank of America, we can also provide access to cash and liability management and lending strategies.
To keep your business’s money working more effectively, we collaborate with you to help optimize your working capital and minimize risk. Through Bank of America, we provide access to cash management, loans and credit lines, and other commercial and investment banking services.
Our team follows a disciplined process of goals-based wealth management. We start with an in-depth conversation in which we seek to form a complete picture of your current financial situation, your aspirations for yourself and your family and any concerns you have about your wealth. We also determine the level of risk you are comfortable with. Based on what we learn, we construct a wealth management strategy designed to help you pursue your goals, and then assist you in implementing it.
Our involvement doesn’t stop there. Throughout our process, we maintain regular contact with you—to keep you apprised of your progress toward your objectives and to stay informed about events in your life that could affect your financial situation. As necessary, we will suggest adjustments to your strategy to keep it aligned with your objectives and to help you anticipate potential challenges or prepare for possible opportunities.
Ideally, we want to meet not only with you but also with any other family members you would like to involve in your decision-making process. Building relationships that to us.
With our extensive knowledge of the Puerto Rican financial services market, our team has special insight into the issues that confront people and businesses on the island. We are aware that tax considerations have often led Puerto Rican investors to focus on local opportunities. However, we are of the opinion that diversification, both geographically and within and across asset classes, should be at the core of an investment strategy. Our aim is to help you build a diversified portfolio based on your personal objectives, time horizon, liquidity needs and risk profile.
Working, at your request, with your tax advisor and attorney, we create highly customized investment portfolios drawing on a wide range of assets—including equities, fixed income, real assets, hedge funds, private equity and cash—and on the Puerto Rican, U.S. and international markets. Our approach is not static. We pay close attention to the potential tax implications of any portfolio changes and can collaborate with your tax advisor to actively manage your wealth management strategy with the aim of providing attractive after-tax returns.
Delivering Strategy and Thought Leadership
Through Merrill Lynch, we can provide access to an expansive array of investment choices and help you select ones that are suited to your long-term objectives. We can also draw on the Merrill Lynch Investment Management and Guidance (IMG) Group for portfolio construction information and advanced portfolio management research that integrate style-based investing with BofA Merrill Lynch Global Research.
Meet Our Experienced Professionals
Teamwork is at the heart of our culture. When working with us, you are paired with a lead advisor, but the entire team collaborates on every account. All our members pool their diverse talents, knowledge and skills to help you pursue your goals through insightful, disciplined wealth management. We share a deep respect for clients and for each other. Individually and collectively, we are dedicated to delivering service that meets and even exceeds your most exacting standards.
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.
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch 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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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.
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.
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.
Getting to know you is our primary goal.
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.
We will work to help you stay on track, regardless of what the markets are doing.