| Advisor Profile |
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Business Description |
As a Financial Advisor in Global Wealth Management, Michael is dedicated to providing individuals, families, and business owners with the finest individually tailored approach to financial and investment strategies possible. He distinguishes his practice from others through an unyielding commitment to exceptional guidance and service.
PROCESS
Understanding that no two clients are alike, Michael starts by discussing each client's goals, hopes and expectations. Equipped with this knowledge, he can help clients set targeted objectives that are flexible enough to adapt to their changing needs.
By utilizing a team of dedicated specialists, Michael is able to assist his clients in addressing areas such as:
• Planning for retirement and/or college funding
• Developing financial strategies
• Focusing on estate planning issues in conjunction with a client’s CPAs and attorneys
• Investments
• Credit and lending
• Cash management, financing, and succession planning for businesses
Having such a vast array of capabilities is important because it allows Michael to stand by the concept of Total Merrill. In doing so, he is able to focus on the issues that matter most to his clients. |
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General Information |
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| Name of Broker/Dealer: |
Merrill Lynch
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| States Licensed in: |
NJ. NY, VA
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| States Willing to do Business in: |
NJ
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| Years of Experience in Financial Services: |
12
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| Number of Years with Current Firm: |
1
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| I work with the following types of clients: |
Businesses, Individual Investors
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Services |
| Investment Types: |
Stocks, Alternative Investments, Exchange Traded Funds (ETFs), Bonds, Annuities, Insurance, Mutual Funds, Options & Futures, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Certified Special Needs Advisor
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| Securities Licenses: |
Series 6, Series 7, Series 63, Series 65
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| Insurance and Annuity Licenses: |
Variable Annuity, Long Term Care, Variable Life, Annuity, Health, Life
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| Non-Financial Organization Memberships: |
LeTip of Little Falls, New Jersey Young Professionals (NJYP).
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Firm Information |
| Number of Advisors in Office: |
10 - 99 employees
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Compliance |
| Registered Representative: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| Fee Structure: |
I am a fee-based financial professional
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| Minimum Portfolio Size for New Managed Accounts: |
$500,000
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| Compensation Methods: |
Based on Assets, Commissions, Flat Fee
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| Prepared By: |
Michael A. Malleo |
Frequently Asked Questions |
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Do you offer any guaranteed results? |
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How much risk should I be willing to take? |
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That answer depends on your time horizon, age, goals, and a variety of other factors. I have to meet with you and conduct a fact-finding meeting to give you any type of recommendation. |
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Have you ever been charged with any breaches? |
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Do you provide a free initial consultation? |
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How long does the process of setting up an Education Plan usually take? |
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30 minutes or so. Depends on how many questions you have. |
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How many years of experience do you have? |
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Do you provide a free initial consultation? |
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How long does the process of rolling over a 401K plan usually take? |
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A few weeks, depends on the company. |
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| Q. |
How many years of experience do you have? |
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Do you provide a free initial consultation? |
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