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Romain Meynier

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Profile

I have built my financial advisory practice to provide my clients with a holistic approach and tailor-made investment strategies to help meet four objectives:

1. Identifying my clients’ risks and aligning their portfolios accordingly to help them accomplish their goals

2. Helping achieve steady returns over their investment horizon on an after-tax basis thanks to in-depth portfolio building techniques

3. Helping obtain the lowest mortgage rates based on clients financial circumstances, for an initial purchase or a home refinancing, by providing a personalized assets & liabilities management approach

4. Having them save time and find financial confidence thanks to turnkey investment strategies: money management should not be a concern for them

*NMLS#1832719 

  • LANGUAGES

    English & French

  • EDUCATION

    Supaero (France)

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.

James D Fox

James D Fox

Structured Credit Executive

Bank of America, N.A.

Valerie G Tiemann

Valerie G Tiemann

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #621526

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

Your LIFE, your GOALS

It is my role to listen to you carefully and to understand your priorities and place them into financial concepts and portfolios allocations to help you turn your goals into reality. “Identifying your goals” is for many a meaningless common-sense expression but for me it is an essential part of the investment process.

Earning or losing money is not having red or green figures in your bank statements, it is getting closer to your goals. In the three following examples, specific goals and risks cannot be managed with basic asset allocation concepts and require a financial professional:

1. Relocation / Currency risk: a Foreign National who desire to go back to Canada or Europe

2. Early retirement / Inflation risk: a business owner who would like to retire at 50 and live with the money from the sale of their company

3. Having a life not impacted by an energy prices downturn / Commodity risk: an executive in an Oil & Gas company, having a large position in his employer stock and owning a property in Houston

That is why I consider that identifying and managing the risks is 50% of the advisor work. I call it “Managing the uncertainty”.


*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.


My Experience

I chose the career path of personal finance management over investment banking because it was a perfect match for my listening skills and my desire to see the results of my work be materialized into financial success and families’ happiness.

With a Master’s Degree in Quantitative Finance, more than 12 years investment experience, the CFA professional designation, experience in servicing $100M+ clients in a private bank in an international environment, I have the extensive knowledge required to handle complex investment situations and I use a quasi-institutional approach for private investors. I see myself more as a “Portfolio Engineer”, more than a sales-oriented financial advisor.

This is why I work mainly with high net worth individuals, international clients, business owners, or investors with specific risks or needs.

Merrill brought me the perfect environment to build my financial advisory practice and the perfect business model to establish relationships with clients, putting clients’ interests first and foremost and also consistent with my values.

Portfolio Management

After having analyzed my clients’ current financial situation and goals, I design, implement and periodically review an individualized strategic asset allocation for each client.

This long-term strategic approach is modified to incorporate shorter term market anticipations: like a poker player changing his pre-flop betting tactics when he holds a pair of aces or 2-7 offsuit in his hand, investing 90% of a portfolio in stocks when their valuation is at a historically high level is not a wise strategy. This tactical approach is based on Merrill research, rational and understandable forecasting concepts, and each client personality and investment experience.

My asset allocation portfolios do not only integrate domestic stocks or bonds, but also investments in international markets, listed real estate, commodities, hedge funds, currency management and exclusive Merrill structured products to improve the risk/reward ratio.

This whole process is designed to be cost and tax efficient to maximize the net after-tax returns through appropriate taxed-advantaged accounts, such as retirement accounts (IRAs) and education savings accounts (529).

*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.
*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.
 *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
 

Lending solutions

Bank of America can offer a variety of solutions for any financing need, from conventional mortgages to custom structured credits. Managing your assets and your liabilities, i.e. both sides of your balance sheet, is key to understand your goals and be able to propose you the right financing at the lowest cost.

It is my responsibility to advise you regarding the most appropriate maturities and options but also to help you obtain the best rates based on your financial circumstances, by offering you access to Loan programs (assets transfers, doctor loans…) and by proposing you the optimal refinancing timing.

*NMLS#1832719 

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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 I can help you create a financial approach that reflects your personality. Only then can I 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.

      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.