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The Testwuide Team

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Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Robert L. Testwuide III

Forbes “Best-in-State Wealth Advisors”  2018 and 2019

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.

James Brennan

James Brennan

Trust Specialist

Bank of America, N.A.

Keller Hardy

Keller Hardy

Retail Sales Manager

Bank of America, N.A.

NMLS #1043656

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

Expansive capabilities and individualized strategies

Rob Testwuide joined Merrill in 1994 and put together a planning based wealth management team in 1996 to deliver clients a broad array of services with a personalized approach.  The team’s Financial Advisors have extensive experience in financial services working with affluent families, individuals, non-for-profit organizations, corporate executives and private business owners.

The Testwuide Team can help you pursue your goals by handling, in a coordinated way, the numerous and detailed financial challenges that often accompany wealth. Our experience allows each of us to tap other team members' experience and knowledge to build an individualized wealth management strategy for you. We believe that clients appreciate our team's continuity, as well as our focus on engaging clients in the wealth management process and helping them get the most out of their relationship with us.

A commitment that is clear and ongoing

We understand the numerous and detailed financial challenges that can accompany affluence. You can expect us to be proactive, looking for opportunities and innovative strategies to help you move toward your financial goals. It is an expectation that we set for our entire team and one that we are committed to strengthening.

In our relationship, we clearly define what you may expect from us:

  • Individualized wealth management strategies
  • Asset management and rebalancing
  • Periodic updates on how you are progressing relative to your goals
  • Periodic performance reviews
  • Regular communication
  • Quick and thorough responses as a team to requests, special circumstances or other events

Strategies designed to help you pursue your financial goals

We understand that clients value performance, and we work diligently to offer customized strategies designed to help you accumulate wealth. Working as a cohesive group, we have been able to implement Merrill's advanced and sophisticated suite of services designed to help clients pursue their financial goals.

We can assist you with strategies for:

  • Wealth accumulation
  • College funding
  • Retirement income planning
  • Wealth transfer
  • Philanthropy
  • Credit and banking through Bank of America
Although we may have assisted clients in similar situations, we don't jump to conclusions or shortcut analyses of your particular goals.

A refined and disciplined process for taking care of your wealth

Before any investments are made, we ask you to complete a thorough and refined wealth management process. We believe it is the first and most important step toward pursuing your financial goals.

During this process, we help you:

  • Define your vision of your future
  • Identify and prioritize your goals and discover your risk tolerance, liquidity needs and time horizon
  • Develop financial strategies intended to help you pursue your goals
  • Find innovative and cost-effective ways to execute your strategies so you can pursue the life you want to live
  • Stay on track with your investment strategy by regularly reviewing and rebalancing your assets
A well-thought-out wealth management strategy can help lead you toward greater financial opportunities. Upon completion of this process, we hope you feel that you have the appropriate people and strategies working to help you pursue your goals.

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

      We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue 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.