The Rutledge Custodio Team

Private Wealth Advisors
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We provide highly customized services supported by the broad capabilities of a global institution. Working with a limited number of wealthy clients, we are able to offer you and your family personalized attention for all aspects of your financial life, now and for future family members.

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.

Anthony T Custodio

Anthony T Custodio

Senior Vice President

Private Wealth Advisor

650.473.2066
Theresa M Rutledge

Theresa M Rutledge

Senior Vice President

Senior Resident Director - Private Wealth Advisor

650.473.2065
Cynthia  Cougoule

Cynthia Cougoule

Private Wealth Relationship Manager

650.473.2067

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

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.

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.

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 monitor 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 the Private Banking and Investment Group at Merrill Lynch, 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:


 


    • Investment management

    • Liquidity event strategies

    • Concentrated and restricted stock management

    • Wealth transfer strategies

    • Hedging strategies

    • Access to family office services

    • Balance sheet and cash flow analysis

    • Lending though Bank of America, N.A.

    • Philanthropy



 

 

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.

The Rutledge Custodio Team