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.
We believe that the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth on to future generations? With access to the investing insights of Merrill Lynch and the banking convenience of Bank of America, we will work with you to develop strategies that are designed to address your priorities and financial needs.
A Single Source for Integrated Wealth Management
Our team provides a multidisciplinary approach to wealth management. We harness not only our own skills and knowledge, but the wider offerings of the Private Banking Investment Group at Merrill Lynch.
We offer the strategies and services demanded by significant wealth:
Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.
Trust and estate planning services
Executives services: pre and post IPO, restricted and concentrated stock and options analysis
Tax minimization strategies
Customized credit and lending services from Bank of America, N.A.
Philanthropy and charitable giving
Consolidated financial reporting
Access to family office services
The Cotten Padalino Group is a wealth management team that provides in-depth, one-on-one attention to a select group of wealthy clients throughout the United States. We work with individuals, families and institutions that have complex needs and unique opportunities. We help them address multiple aspects of their wealth, spanning both sides of their balance sheets; from investment management to trust and estate planning services, executive services to pre-IPO strategy and customized credit to philanthropy. We help clients streamline their wealth, deploying it strategically and thoughtfully to pursue meaningful goals for themselves, and for successive generations.
Experience to Advance your GoalsWe recognize that significant wealth can entail unforeseen challenges. Our Group is deeply skilled in addressing the needs that affluence can pose. Our leaders Kendall Cotten and Diane Padalino have spent decades helping clients navigate the crossroads of significant wealth. We do not dabble in wealth management for affluent clients; we exclusively cater to their needs. This selectivity enables us to deliver the customization and precision that are the hallmarks of our work.
Every strategy, offering and service we provide is crafted with a client’s particular needs, priorities and preferences in mind. This sensitivity drives the immediacy and tangible value of our work impacting clients’ lives on a day to day level and over multiple years of service. We are skilled in collaborating with a client’s external tax and legal advisors developing a unified, organized and cohesive approach to a client’s distinctive wealth management needs.
Our Investment Approach
We speak in plain language about our approach to the investing. We begin with indepth client discussions:
- How much money do clients require to maintain their lifestyles?
- Do they have any long term aspirations like starting a new business or building a vacation home that will require considerable capital?
- How do they envision their long term family and philanthropic legacies?
Working from these discussions we model client portfolios to maintain lifestyle, aspirational and legacy investments using as little risk as possible to pursue desired ends. Throughout our analysis we take a tax sensitive approach to investing underscoring after tax returns as the proper benchmark for performance. We are ever mindful of liquidity recognizing that clients need ready access to their cash.