Tune out the noise: Wealth planning for the year ahead

Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.

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Merrill lynch

Rovere Mendez Wealth Management

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Merrill Lynch
Wealth Management

As the trusted resource for generations of loyal client families, we help them prosper personally and professionally in ways they don’t often expect.


At Rovere-Mendez Wealth Management, our proud story continues to be told. It revolves around the lasting relationships we’ve built with successful individuals and families.

After 25 years we have built a book of business that includes a variety of clients.  From senior-level corporate executives with complex compensation packages, to business owners with most of their wealth tied up in their enterprises, attorneys, physicians, individuals with inherited wealth and family foundations.

The makeup of our team allows us to relate to clients both “young and older.” In fact, we serve a broad spectrum of people who are nearing retirement, a long-anticipated liquidity event, or are building wealth and a career. Delivering an exceptional level of diligence and devotion, we are intentional and caring in our efforts.

From the outset of each relationship, we help clients explore and prioritize the purpose of their wealth. We are here to help manage that wealth responsibly and in a respectful manner.

Preserving Wealth

At Rovere-Mendez Wealth Management, we are inspired by the goals and concerns of our clients. Many seek financial freedom and a feeling of independence. Most are busy with careers and families.

As a team that managed clients’ money and emotion amid 2000, 2008 and 2020 volatility, we are proud that virtually all of those clients remain with us today. We believe that’s due in large part to our perspective on mitigating investment risk. Often, we introduce clients to the benefits of owning alternative investments, which do not correlated to the volatility of major markets.

It is our practice to focus on clients’ life goals, in addition to their bottom lines. Our clients have sent children to college, purchased homes, prospered in their careers, and worked tirelessly to achieve these milestones. By using our knowledge to advise clients on appropriate strategies, we can allow them to focus energy on their careers, families, and serving their communities.

*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.

Investment Portfolios

At Rovere-Mendez Wealth Management, we have spent decades honing our investment process. Our approach is a good fit for clients who are as different as they are deserving.

Before we allocate a single dollar of a client’s portfolio, we examine how their assets, liabilities, and overall wealth are structured. Following discussions about risk vs. reward, we build a framework from which we can formulate their investment strategy, which we classify most often as “capital preservation plus growth.” We find this approach helps clients withstand downturns and stay true to their goals.

As long-term investors, we do not look to hit “home runs” with speculative opportunities. Based on our research and that of Merrill, a client’s portfolio may include individual equities, ETFs, mutual funds and bonds. We may also recommend alternative investments – with what may be a combination of real estate, hedge funds, private equity and private debt. Our strength in this area allows clients to benefit from non-correlated assets that we deem attractive, affordable and likely to offer reduced volatility.

Finally, we blend our investment management with tax awareness in a way many advisors do not. By maintaining a watchful eye on clients’ tax consequences throughout the year, we allow for benefits to be realized earlier. We also work closely with clients, their CPAs, attorneys, and our trust department to align wealth transfer, business succession, tax-minimization and estate planning strategies.

*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.

Focus On High-Net-Worth Individuals and Business Owners

We  offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances.

No matter what your goals may be, we begin by helping you define and prioritize your financial goals based on the following seven areas:

  • 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 and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together; defining your financial goals
We'll also draw on our industry knowledge and experience to offer:
  • Potential risk management solutions
  • Trust and estate planning services
  • Potential wealth management solutions
  • Access to Bank of America for your credit and banking needs
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.


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.

William John Rovere

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” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Barron's "America's Top 1,000 Financial Advisors: State-by-State" 2009
Published on February 9, 2009. Rankings based on data as of September 30, 2008.

Lucas Mendez

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Meet Our 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.

Valerie G Tiemann

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #621526

Dianne Walter

Wealth Strategist


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.


    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

      We believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, work with you to identify potential solutions that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management approach for the future.

      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.


      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.

      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.