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

Watch now

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

Watch now

Merrill Lynch

The Calbi & Abbate Group

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Merrill Lynch
Wealth Management

We build goals-based strategies and enduring relationships with a successful clientele who has come to expect our best efforts and a rewarding wealth management experience.

Welcome

At The Calbi & Abbate Wealth Management Group, we are as motivated as our clients. It’s a trait we’ve shared with these hardworking people for more than three decades.

Each of our team members is dedicated – not simply to serve clients’ best interests – but to know clients as well as their family members do. And also to know their family’s needs on an intimate level, so that we can embrace and address long-term goals that span generations.

Whether we assist physicians, dentists, attorneys, business owners (and their retirement plans), retired couples, widows, widowers, or the “millionaire next door,” we bring integrity and continuity to each relationship. Our clientele has grown by way of referrals. This tells us the quality of our advice and guidance is matched by the experiences that clients enjoy and explain to others.

It’s always been our custom to serve clients with the utmost professionalism and personal care. Because while we have extensive financial knowledge and skills, our first-hand experiences with life’s most tragic moments are significant. This gives us a dimension of empathy we share with clients – many with whom we’ve exchanged hugs and comforting thoughts during times of mutual difficulty.

Caring about clients. Addressing their greatest challenges. Delivering performance that puts goals within reach. All three contribute to enduring client relationships that extend well beyond “dollars and cents.” It’s the kind of relationship we look forward to exploring with you.

Active Listening

At The Calbi & Abbate Wealth Management Group, clients provide a compass for our thinking. We are naturally curious and genuinely interested in what inspires clients. In each discussion, we ask questions that provoke consideration and conversation: “How would you describe your greatest achievement? What do you envision five or ten years from now? And what do you expect from us?” By listening closely to what clients say in early meetings – and over the course of each relationship – we can help them pursue paths that may be uncommon, but ones that that bring meaning to their years of hard work and sacrifice.

Given the ambitious nature of clients, we know that new opportunities and obstacles invariably present themselves. That’s why we speak to clients on a regular basis. As proactive financial advisors, we also know that frequent contact allows for more open communication and timely problem solving. Having longtime relationships as colleagues – and with clients’ family members – helps us facilitate a natural collaboration that can lead to positive outcomes for retirement lifestyles and family legacies.

To help optimize results, after listening to clients, we consult with Merrill thought leadership, with specialists throughout our firm, and with clients’ CPAs and attorneys. Our deliberate approach allows us to align investment, tax minimization and estate planning strategies, and to save clients the time required to coordinate responsibilities and efforts. When it can benefit clients, we also provide access to residential, commercial, and securities-based lending through Bank of America, N.A. (*NMLS #79336)

Goals-Based Planning

While clients come to us with wealth, many wrestle with the right balance – for enjoying it, passing it along, or supporting a worthy cause. Some clients have also managed wealth on their own and require an added layer of sophistication and knowledge. Others are referred to us following divorce or the loss of a spouse – and can benefit from our “hands-on, hands-held” approach to helping them make informed decisions (rather than emotional ones).

At The Calbi & Abbate Wealth Management Group, we recognize that no two clients are alike – and that a cookie-cutter approach is never sufficient. Clients face formidable challenges – financial and personal. We see our roles as helping to simplify situations that may seem overwhelming and explaining strategies that are, in many cases, complex.

When asked about their lives, most clients tell us about their kids, whether they’re young, or raising children of their own. For this reason, initial discussions typically revolve around clients’ wishes for multi-generational wealth and appropriate estate-planning strategies. Inspired by clients’ stories, we work to establish a genuine level of trust. We also encourage other family members to get involved to the extent the client wishes.

With personal experiences that mirror those of many clients, we can appreciate what keeps them up nights and what gets them up each morning. From retirement and legacy planning, to tax minimization, business succession and cash management strategies, we enjoy helping clients take next steps – toward achieving “the goal of a lifetime” or one that just brings satisfaction and stability.

Results-Oriented Investing

At The Calbi & Abbate Wealth Management Group, we ask clients many questions. This allows us to optimally manage their assets with the minimal degree of risk needed, to help them achieve financial goals that are meaningful and achievable.

With decades of knowledge gained in the behavior of markets and investors, we find that a “top-down, macro view” gives us the best starting point to build each client’s portfolio. Experience reminds us that consistent, long-term performance comes from a disciplined approach in which our strategic and tactical allocations for each client are typically made across asset classes, sectors and borders.

In addition to Merrill research, our own risk parameters, and each client’s goals, investment timeline, risk tolerance and need for liquidity, we pay close attention to cost- and tax-efficiencies. In fact, we often structure clients’ retirement, college planning, cash flow, wealth preservation, and gifting strategies in concert with clients’ CPAs and attorneys, and specialists across our firm.

In everything we do, we aim to give clients every opportunity to use their wealth wisely. For most, that means growing and preserving assets (before they need to take income and even while doing so). We take our roles quite seriously. In striving toward superior wealth management, we maintain that meeting clients’ financial and personal goals are benchmarks for own own success.

*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.

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.

Ashley Abbate Macksoud

Forbes “Best-in-State Wealth Management Teams” 2024, 2023
Published annually in January. Rankings based on data as of March 31 of prior year.*

Forbes "America's Top Women Wealth Advisors" 2023, 2022
Published annually Feb- April. Rankings based on data as of June 30 - September 30 of prior year.

Forbes "Best-in-State Next-Generation Wealth Advisors 2019
Published on September 4, 2019. Rankings based on data as of March 31, 2019.

James A Calbi

Forbes "Best-in-State Wealth Advisors" 2023
Published on April 4, 2023. Rankings based on data as of June 30, 2022.

Forbes “Best-in-State Wealth Management Teams” 2024, 2023
Published annually in January. Rankings based on data as of March 31 of prior year.*

Christopher M Abbate

Forbes “Best-in-State Wealth Management Teams” 2024, 2023
Published annually in January. Rankings based on data as of March 31 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.

Jeffrey Wiedmann

Wealth Strategies Advisor

Bank of America, N.A.

Nathan J Goldstein

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #79336

Jarid Encarnacao

Wealth Management Banking Specialist

Merrill

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.