Our goal is to help you make your equity plan administration easier and more efficient for your company, while helping your employees understand the specific actions they need to take to get the greatest benefit from their awards.

We start with what’s important to you

We take the time to listen and learn about the needs and goals of your institution and its employees – it’s these real-world insights that guide our strategies and personalized service.

About Us

Mission

C.O.B.L. & Associates focuses on addressing the investing and wealth management needs of institutions and individuals and families. Our team works closely with clients to determine their needs and aspirations so that we can craft customized strategies to help them pursue their goals.

Approach

No matter the size and scale of your equity plan requirements,  can work with you to provide a personalized experience that meets the specific needs of your company and your employees. accessible and committed, working one-on-one with you to build a deep understanding of your needs, which equips us to provide personal service day to day and long term. goal is to make your job easier and to help your employees to understand and participate in the benefits you provide to them.

Equity Compensation Plan Services

As a Bank of America Merrill Lynch Equity Plan Consultant, C.O.B.L. & Associates can help support your equity plan administration needs. In addition, we can help you position your company as an employer of choice in today’s market for talent while helping your employees manage their equity awards. We can help explain the choices equity plan participants have when exercising equity awards and provide guidance on individual wealth and retirement planning needs.

Meet the Team

Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Gary  Owens

Gary Owens

Private Wealth Manager

214.303.5893
Robert  Black

Robert Black

Senior Financial Advisor

972.383.6905
John A. Ledford

John A. Ledford

Senior Financial Advisor

972.383.6903
Frederik  Constantinesco

Frederik Constantinesco

Senior Financial Advisor

972.386.1375
Allison  Williams

Allison Williams

Senior Private Wealth Associate

214.303.5857
Mastura  Zahid

Mastura Zahid

Registered Senior Client Associate

972.383.6909
Patricia I Fuentes Lara

Patricia I Fuentes Lara

Registered Client Associate

972.383.6914

Additional Resources

C.O.B.L. & Associates is supported by talented specialists who have experience working with institutions and share a strong commitment to guiding investment programs and strategic decision making.

Timothy J Bennett

Timothy J Bennett

Division Structured Credit Exc

David R Work

David R Work

Trust Specialist

Jacob Rothenberg

Jacob Rothenberg

Wealth Management Lending Officer NMLS # 621095

Solutions for Institutions

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Keep the focus on your company's greatest asset — your employees

Designing and administering equity compensation plans is a challenge for many companies. While offering a plan helps you create an ownership culture, managing that plan may require additional expertise. At Bank of America Merrill Lynch, we understand your need for a total equity compensation plan that creates value for your company and its employees. We know the stakes are high — and we have the experience and resources to help you deliver a successful program.

We can support you and your employees with your equity compensation needs, including:

  • Nonqualified and Incentive Stock Options
  • Performance Shares and Units
  • Restricted Stock and Units
  • Dividend Equivalent Units
  • Stock Appreciation Rights
  • Employee Stock Purchase Plans
  • Institutional Trust and Custody Services

And More

Beyond our experience, we offer access to the deep intellectual capital and broad capabilities of Bank of America Corporation and its affiliates. If we identify a need we can’t service myself, we can connect you with the people and resources to help you. Through our network of advisors, we strive to deliver strategies to help you manage the day-to-day and long-term responsibilities required in pursuing your institution’s goals. As we work together to address your evolving needs, we can make the broad capabilities of Bank of America Corporation feel much more accessible.

Capabilities

Financial reporting

The Award Choice Financial Reporting™ solution is an on-demand, web-based application that provides customized, comprehensive reports and helps to fulfill your ASC 718 requirements.

Employee Stock Purchase Plan Services

With an Employee Stock Purchase Plan (ESPP), corporations can make it possible for employees to purchase company stock at a discount to the fair market value of the stock.

Rule 10b5-1 Trading Plans

We can help your executives design and implement a Rule 10b5-1 trading plan, enabling systematic selling or purchasing of company stock at regular intervals.

Executive Services

We understand the unique needs and challenges your officers, directors, and insiders face in managing their equity awards and transacting in company stock.
Your insiders will have access to an advisor who understands the complexity of equity compensation, details of your company’s equity awards and the regulations that may govern their transactions; and who can provide the assistance your insiders will need to get the greatest benefit from their awards.

Workplace Insights™ | Public Policy & Trends

Access information about the issues, laws and industry changes that are being considered and what these changes can mean to you and your employees.

We're bullish on the future. Yours.

Solutions for Individuals

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Philosophy

We believe it is important that you take positive steps towards your financial future, and that means getting more than just investment advice. We take the time to get to understand who you are, what you hope to achieve and what keeps you up at night. Using an understanding of your life and priorities as a foundation, we can work with you to build a goals-based financial strategy.

Approach

We begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, we start by listening to learn more about you.

Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can help customize the financial strategy we develop together.

Capabilities

Our process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch 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 strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and 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 strategy.

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 give you peace of mind* that you're on track to help achieve what's most important to you.

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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.

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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.

Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’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. 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.

Your Financial 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.

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

Join us

Let’s Have a Conversation

There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs... Request an Appointment

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