Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Profile

Frank joined Merrill in 1981. He provides advice and guidance for the investment side of wealth structuring issues, as well as strategies for concentrated stock positions, executive compensation, concentrated business-interest risk, trusts and other fiduciary structures. He works closely with clients' tax planners, trust attorneys, family offices, trustees, and accountants with his client’s permission.

Frank holds the Certified Portfolio Manager® designation through Columbia University and The Academy of Certified Portfolio Managers. He also holds the Certified Private Wealth Advisor® designation through the Investments & Wealth Institute™ at the University off Chicago Booth School. He completed his Bachelor’s Degrees in Political Science and Economics and participated in the Master’s Degree in Applied Economics program at the University of Central Florida. He is fluent in Italian, Spanish, Portuguese, and English and is conversational in a few more languages.

Merrill Sports & Entertainment Advisor

Named to Forbes "Best-in-State Wealth Advisors" list 2019-2023.

Published annually Jan-April. Rankings based on data as of June 30 of prior year.
Forbes “Best-in-State Wealth Advisors” list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and available for investor help in evaluating the right financial advisor. Compensation was not received from anyone for the study. Past performance does not guarantee future results. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

 

I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.

  • LANGUAGES

    English, French, Italian, Portuguese, Russian & Spanish

  • EDUCATION

    University of Central Florida

    Columbia University

    University of Chicago

Professional Staff

Supported by the global resources of Merrill, my 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.

Awilda Cruz

Wealth Management Banking Specialist

Merrill

Michael Duffy

Private Wealth Strategist

Merrill

Carlos Sacerio

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1285843

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

Welcome

Our Mission, first and foremost, is to deliver world class service, knowledge-based potential solutions, and the power of the organization to the sports and entertainment centric clientele.

We accomplish this by harnessing the comprehensive approach that only a sophisticated institution such as Merrill, along with the banking solutions of Bank of America, can bring to the table.

Philosophy

We believe that each situation is unique, and it involves a custom set of strategies tailored to increase the probability of accomplishing desired outcomes.

The unique set of requirements of individuals, corporations, and other organizations in the world of entertainment and sports requires an approach which is quite different, in most cases, to the usual set of solutions generally used.

Planning presents unique challenges given a much wider set of potential circumstances, sequence of cash flows and diverse opportunity during and after participation in the industry.

Our strategy requires the full spectrum of investment resources from Merrill and the financing and banking solutions from Bank of America. From sophisticated tailored custom lending solutions to a refined and granular approach to wealth structuring, to awareness of long-term tax implications given particular specific situations.

Through our experience, the power of our organization and the leveraging of firm specialists we can fulfill our mission of delivering best in class service and sophisticated products and services.

Investments

No matter what your priorities are, I offer advice to help you turn your ambition into action. I draw on many experienced investment professionals at Merrill to deliver insights that help you maintain a long-term focus while taking advantage of short-term opportunities. Through the Merrill Investment Advisory Program I offer custom strategies that deliver an appropriate balance of risk and reward, comprised of investment fund and manager offerings that have undergone a thorough evaluation process before they can be included in your portfolios. And all my actions are grounded in a deep understanding of what matters most to you and complemented with regular review. I believe this approach will give you the power to help you meet your goals.

Approach

Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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 others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.

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.

    #DigitalMerrill

    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.

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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.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.