DWYER & ASSOCIATES

Private Wealth Advisors
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At Dwyer & Associates, we are dedicated to building a powerful, personal and lasting relationship with you, pursuing your goals for today while shaping your legacy for the future.

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.

Patrick J Dwyer

Patrick J Dwyer

Managing Director

Private Wealth Advisor

305.577.6929
Michael  Romanchuk

Michael Romanchuk

Vice President

Financial Advisor

305.577.6990
Daniel  Castro Astralaga

Daniel Castro Astralaga

Vice President

Investment Associate

305.577.6947
Alexis  Bello

Alexis Bello

Financial Advisor

305.577.6992
James  Fitzcharles

James Fitzcharles

Registered Analyst

305.577.6965
Ron M Bensadon

Ron M Bensadon

Registered Analyst

305.577.6977
Jonathan H Goldstein

Jonathan H Goldstein

Registered Analyst

305.377.3957
Matheus  Pedreira

Matheus Pedreira

Registered Analyst

305.577.6969
Maria T Kattan

Maria T Kattan

Senior Private Wealth Associate

305.577.6978
Maria  Kleinhans

Maria Kleinhans

Senior Private Wealth Associate

305.577.6974
Maria  Rodriguez

Maria Rodriguez

Registered Private Wealth Associate

305.377.3955

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

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The diversity of our team reflects the diverse backgrounds of a world class clientele. Our ages and experiences help us deliver what we call 'modern private banking': actively addressing the fluid needs of a select circle of male and female CEOs and entrepreneurs as well as traditional and nontraditional families (many of whom are first generation American).

As a member of the Private Banking & Investment Group, the Dwyer Group offers active and passive management with no proprietary products. To serve those who demand uncompromised service and financial acumen we offer a tailored experience providing unwavering attention and access to a full complement of services from Merrill Lynch. Clients deserve to know they are making optimal decisions for those they love.

We know how to help ultra high net worth clients whether we recommend where to purchase an aircraft or help them buy a home in France. Being 'all in', we value our close relationships with clients and share their joy in enhancing their lives.

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.

Boards and Community Involvement

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Our Team is actively involved with our community:

  • Neuroscience Centers of Florida Foundation

  • Carrollton School of the Sacred Heart

  • Telluride Science Research Center

  • Key Biscayne Community Foundation

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.

Investment Approach

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Asset Allocation
How you deploy investment capital across asset classes is one of the most important determinants of investment results over time. Strategic and tactical asset allocation is a central element of our investment advice and guidance.

Diversification
We believe that diversification across global asset classes, investment styles, sectors and industry groups is fundamental to long term wealth creation and portfolio risk management.

Tactical Shifts
On occasion we may guide you in making some tactical changes to your portfolio. Tactical asset allocation is designed to capitalize on short term market deviations by overweighting or underweighting certain asset classes relative to associated benchmarks.

Our Relationship With You Is Highly Personalized and Proactive
We are not a mass market retail type wealth management operation; we maintain a high ratio of professional staff to clients. We meet regularly with each client to review investment performance, portfolio rebalancing and current strategy to plan for their future needs. We tailor day to day private banking services including credit facilities, secure web based bill payment services and individual client preferences.

In The Media

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Our team has been featured in:

  • Ocean Drive Magazine 

  • Executive South Florida Magazine 

  • Barron's 

  • WSJ Video Interview 

  • Forbes Magazine

Our Achievements

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  • Barron's "#1 Advisor in Florida" in 2016 (four of the past seven years)
  • Barron’s "Top 100 Financial Advisors" in 2017 (eleventh consecutive year)
  • Forbes Magazine #5 Advisor in "America's Top Wealth Advisors" for 2017
  • Financial Times "Top 400 Financial Advisor" in 2014, 2015 and 2016
  • Registered Rep. magazine's America's "Top 100 Wirehouse Advisors" from 2010 to 2014
  • WealthManagement.com "Top 100 Wirehouse Advisors" in 2016

*Source: Barron's "America's Top 1,200 Financial Advisors: State-by-State" list, March 6, 2017. Advisors considered for the "America's Top 1,200 Advisors: State-by-State" ranking have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the advisor rankings include: client assets, return on assets, client satisfaction/retention, compliance records, and community involvement, among others.  Barron's does not receive compensation from advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved.

*Source: Barron's "America's Top 100 Advisors" list, April 17, 2017. Advisors considered for the "America's Top 100 Financial Advisors" list ranking have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the Advisor rankings include: client assets, return on assets, client satisfaction/retention, compliance records, and community involvement, among others. Barron's does not receive compensation from Advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved.

*Source: WealthManagement Magazine’s “Top 100 Wirehouse Advisors in 2016” list, May 1, 2016. Advisors on the WealthManagement Magazine “Top 100 Wirehouse Advisors in 2016” list are ranked exclusively by assets under management custodied at the four wirehouse firms. Only advisors for whom 80 percent or more of assets correspond to retail clients were eligible for the list. WealthManagement.com does not receive any compensation from financial advisors, participating firms and affiliates, or the media in exchange for rankings. WealthManagement Magazine is a trademark of Penton Media, Inc. All rights reserved.

*Source: Forbes/SHOOK "America's Top Next-Generation Wealth Advisors" list was developed by SHOOK Research. Advisors considered for this ranking were born in 1980 or later with a minimum 4 years relevant experience; advisors have: built their own practices and lead their teams; joined teams and are viewed as future leadership; or a combination of both. Ranking algorithm is based on qualitative measures: telephone and in-person interviews, client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criteria because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC, which does not receive compensation from the advisors or their firms in exchange for placement on a ranking. For more information see http://details-he.re/3oaPnX

*Source: The Financial Times Top 400 Financial Advisors (FT 400) is an independent listing produced by the Financial Times (March, 2016). The FT 400 is based on data gathered from firms and verified by broker-dealer home offices, regulatory disclosures, and the FT's research. The listing reflects each advisor's performance in six primary areas, including assets under management, asset growth, compliance record, experience, credentials and accessibility as identified by the FT. Neither the brokerages nor the advisors pay a fee to The Financial Times in exchange for inclusion in the FT 400.

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

DWYER & ASSOCIATES