A Commitment to Service
Merrill Private Wealth Management is committed to providing a select group of 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, and help you update your approach as needed. We are committed to providing you access to the investment insights of Merrill and the banking convenience of Bank of America, and Merrill 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.
We believe 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 customized goals-based financial 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.
The Rutledge Custodio Team
Located in Palo Alto, the Rutledge Custodio Team provides wealth management strategies to a select number of ultra-high-net-worth clients. We are small by design. Our client outreach and customized services simply cannot be replicated on a mass scale. Clients come to us for three differentiating factors: our knowledge; our experience; and our desire to serve. We prize opportunities to create value in clients’ lives, from long-term strategy to day-to-day management. Clients know that we are relentless in our efforts to answer questions, anticipate issues, and resolve the complexities of significant wealth. Our client relationships are fostered over many years, giving us in-depth insight into the priorities and concerns that infuse a client’s perspective. We embed this knowledge into our approach, tailoring our offerings to a client’s personal, business, and philanthropic goals. We invite prospects to learn more about the ways that we can enhance their financial lives.
Positioned to Help at Critical Times
The clients we serve have engaged, full lives. Clients include entrepreneurs, business owners, C-suite executives, and affluent families. Typically, these clients have come to a crossroads in their wealth. They anticipate a liquidity event, are dealing with new-found wealth, or simply realize that they do not have the time or knowledge to handle the intricacies of affluence. We relish the opportunity to help clients at these critical times, laying out a deliberate and cohesive framework for successive years. Clients often come to us after benefitting from solid planning by external tax and legal advisors. However, they need help in moving beyond planning to implementation. We are particularly skilled in making that connection. We recognize that strategy is an essential underpinning of our work; however, we pair that foundation with deliberate follow-through.
Focused on Wealth Preservation
We recognize the importance of wealth preservation to long-term financial stability. Our investment outlook seeks to hedge against down-side risk while pursuing controlled growth. Clients have worked hard to build their financial success; they look to us to preserve capital and promote the smooth transfer of resources to successive generations. We communicate regularly with clients, encouraging frequent contact that helps clients stay apprised of their overall financial situation.
Multi Disciplinary in Our Approach
True wealth management is multi-faceted. Rigorous investment management constitutes a pillar of our offerings—but it is not all that we do. We bring hands-on involvement in multiple disciplines, from liquidity event planning to wealth transfer; client education to philanthropy. We maintain that there is simply no substitute for experience. The issues we address are complex, nuanced, and often inter-dependent. We welcome the opportunity to create client value by applying our knowledge and skill. Our backgrounds in trust administration enable us to engage with a client’s external tax and legal advisors, directing our collective efforts from an informed vantage point. We not only marshal our own resources, but those of Merrill Private Wealth Management, advancing client interests through services that are relevant and concrete.
Addressing the Needs of Significant Wealth
We look to be intensively involved in clients’ financial lives. We recognize the intersection of concurrent needs and multiple priorities:
- Liquidity event strategies
- Concentrated and restricted stock management
- Wealth transfer strategies
- Access to family office services
- Balance sheet and cash flow analysis
- Lending though Bank of America, N.A.