DWYER & ASSOCIATES

Private Wealth Advisors
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Significant wealth requires sophisticated, highly customized strategies tailored to your unique goals and priorities. We serve a limited number of individuals and families, allowing us to offer personalized, boutique-like services to help you simplify your life and pursue what’s important to you.

Meet the Team

The private wealth advisors with Merrill Lynch’s Private Banking and Investment Group are rigorously trained to meet the specialized needs of individuals and families of wealth. We build relationships based on trust and personalized service.

Patrick J Dwyer

Patrick J Dwyer

Managing Director

Private Wealth Advisor

305.577.6929
David R. Cardenas

David R. Cardenas

Financial Advisor

305.577.6947
Michael  Romanchuk

Michael Romanchuk

Vice President

Financial Advisor

305.577.6990
Ron M Bensadon

Ron M Bensadon,

Assistant Vice President

Private Wealth Analyst Relationship Management

305.577.6977
Matheus  Pedreira

Matheus Pedreira

Registered Analyst

305.577.6969
James  Fitzcharles

James Fitzcharles

Registered Analyst

305.577.6965
Max A Figueroa

Max A Figueroa

Analyst

305.577.6906
Henri  Pitkanen

Henri Pitkanen

Analyst

305.577.6927
Maria T Kattan

Maria T Kattan

Senior Private Wealth Associate

305.577.6978
Maria  Rodriguez

Maria Rodriguez

Registered Private Wealth Associate

305.377.3955
Brittney  Cook

Brittney Cook

Private Wealth Associate

305.577.6931
CAMILA  FERNANDINI

CAMILA FERNANDINI

Private Wealth Associate

305.577.6974

Strategies designed to help you achieve your goals

As a client of the Private Banking and Investment Group at Merrill Lynch, you have access to services and resources ordinarily reserved for the world’s largest institutions. We work with individuals, families spanning multiple generations, business owners and executives. Using a goals-based wealth management approach, we put our clients at the center of every personalized strategy.

Our Approach

Dwyer and Associates

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The diversity of our team reflects the diverse backgrounds of a world class clientele. Our ages and experiences help us deliver what we call 'modern wealth management": actively addressing the fluid needs of a select circle of male and female CEOs and entrepreneurs as well as traditional and nontraditional families (many of whom are first generation American).

As a member of the Private Banking & Investment Group, the Dwyer Group offers active and passive management with no proprietary products. To serve those who demand uncompromised service and financial acumen we offer a tailored experience providing unwavering attention and access to a full complement of services from Merrill Lynch. Clients deserve to know they are making optimal decisions for those they love.

We know how to help ultra high net worth clients whether we recommend where to purchase an aircraft or help them buy a home in France. Being 'all in', we value our close relationships with clients and share their joy in enhancing their lives.

A Commitment to Service

Merrill Lynch’s Private Banking and Investment Group is committed to providing a select group of wealthy clients with highly personalized one-on-one service. When you work with us, our knowledgeable, rigorously trained Private Wealth Advisors will gain a deep understanding of your goals, help you develop a multigenerational wealth strategy, help you monitor its success and update your strategy as needed. We are committed to providing you access to the investment insights of Merrill Lynch and the banking convenience of Bank of America, and we will continue to invest in client tools and new technology to enhance your overall experience as you and your private wealth advisor pursue what’s most important to you.

Boards and Community Involvement

Our Team is actively involved with our community:

  • Neuroscience Centers of Florida Foundation

  • Carrollton School of the Sacred Heart

  • Telluride Science Research Center

  • Key Biscayne Community Foundation

Our Philosophy

We believe that your unique goals should be at the center of all of your financial decisions and form the foundation of your financial strategy. Because significant wealth requires sophisticated, highly customized strategies, we believe in building lasting relationships with a limited number of clients, taking the time to understand your most important priorities for today, tomorrow and your long-term future. Our philosophy celebrates collaboration. Working with a team of specialists, we draw on the resources and insights of a global financial institution to create strategies that reflect your aspirations for yourself and current and future generations of your family. Finally, we believe that while significant wealth brings complex challenges, our experience, passion and perspectives can help you simplify your life.

Investment Approach

Asset Allocation
How you deploy investment capital across asset classes is one of the most important determinants of investment results over time. Strategic and tactical asset allocation is a central element of our investment advice and guidance.

Diversification
We believe that diversification across global asset classes, investment styles, sectors and industry groups is fundamental to long term wealth creation and portfolio risk management.

Tactical Shifts
On occasion we may guide you in making some tactical changes to your portfolio. Tactical asset allocation is designed to capitalize on short term market deviations by overweighting or underweighting certain asset classes relative to associated benchmarks.

Our Relationship With You Is Highly Personalized and Proactive
We are not a mass market retail type wealth management operation; we maintain a high ratio of professional staff to clients. We meet regularly with each client to review investment performance, portfolio rebalancing and current strategy to plan for their future needs. We tailor day to day banking services including credit facilities, secure web based bill payment services and individual client preferences.

In The Media

Our team has been featured in:

  • Ocean Drive Magazine 

  • Executive South Florida Magazine 

  • Barron's 

  • WSJ Video Interview 

  • Forbes Magazine

Our Achievements

Patrick Dwyer is a nationally recognized advisor who has received numerous accolades over the course of his career:

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Forbes Magazine #1 Advisor in "Best-In-State Wealth Advisors" for 2018

Forbes Magazine #5 Advisor in "America's Top Wealth Advisors" for 2016 and 2017

Barron's "#1 Advisor in Florida" in 2016 (four of the past seven years)

Barron’s "Top 100 Financial Advisors" in 2018 (twelfth consecutive year)

Financial Times "Top 400 Financial Advisor" in 2014, 2015 and 2016, 2018

WealthManagement.com "Top 100 Wirehouse Advisors" in 2016

Registered Rep. magazine's America's "Top 100 Wirehouse Advisors" from 2010 to 2014


*Source: Forbes "Best-in-State Wealth Advisors" list, February 2018. For more information about the selection criteria, go to http://details-he.re/UbRCGT. Forbes is a trademark of Forbes Media LLC. All rights reserved. These rankings and ratings are not representative nor indicative of any one client's experience, future performance, or investment outcome.  
*Source: Barron's "Top 1,200 Financial Advisors" list, March 12, 2018. For more information about the selection criteria, go to https://www.ml.com/articles/awards-recognition.html. Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved. Years prior to 2014, this Barron's list consisted of 1,000 advisors. Rankings and recognition from Barron's are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement of the advisor.
*Source: Barron's "America's Top 100 Financial Advisors" list, April 23, 2018. For more information about the selection criteria, go to https://www.ml.com/articles/awards-recognition.html. Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved. Rankings and recognition from Barron's are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement of the advisor.
*Source: The Financial Times Top 400 Financial Advisers (FT 400) is an independent listing produced by the Financial Times (March, 2018). For more information about the selection criteria, go to http://details-he.re/IVEl33. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome.
*Source: Forbes "America's Top 250 Wealth Advisors" list, developed by SHOOK Research, September 2018. For more information about the selection criteria, go to http://details-he.re/WHDBy4. All rights reserved. These rankings and ratings are not representative nor indicative of any one client's experience, future performance, or investment outcome. 
*Source: WealthManagement Magazine’s “Top 100 Wirehouse Advisors in 2016” list, May 1, 2016. For information about the selection criteria, go to http://details-he.re/YmYuUA. WealthManagement Magazine is a trademark of Penton Media, Inc. All rights reserved. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome. 

 

Let's have a conversation

Your dedicated Private Banking and Investment Group team is ready to help you pursue what's most important to you.

Our Vision

For clients of substantial wealth, Merrill Lynch’s Private Banking and Investment Group provides an experience that is both powerful and personal. We are dedicated to helping you pursue your goals for today while developing a wealth strategy designed to support your family members for the years to come.

A trusted one-on-one relationship
Your private wealth advisor and team of specialists work with a limited number of clients, enabling them to focus their time, training and passion on helping you simplify your personal and business finances and prepare your next generation as stewards of wealth.

Boutique-like service with the access to the investment resources of Merrill Lynch and banking convenience of Bank of America

We combine the personalized attention and feel of a smaller firm with the power and insights of a global financial institution, creating strategies tailored to your unique situation.

A relentless commitment to transparency and customized strategies

As our client, know that we are working in your best interests, providing sophisticated strategies designed to anticipate and meet your evolving financial needs.

DWYER & ASSOCIATES