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Zalmen Lazaroff, CPFA, CRPC, CIMA

Senior Vice President
Wealth Management Advisor
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Merrill Lynch
Wealth Management

My investment methodologies are sophisticated
but my objective is a simple one –
to help clients define and fulfill financial goals, for themselves and their families.
 

Profile

Zalmen is a seasoned and savvy investment professional. During his nearly 30 years in wealth management, he has helped clients identify and prioritize their financial objectives before crafting and implementing customized investment management strategies on their behalf.

After spending 14 years with Morgan Stanley, Zalmen was invited to join Merrill Lynch Wealth Management in 2009. Today, he continues to serve accomplished individuals and their families, corporate entities and their retirement plans in 18 states – employing methodologies and tactics meant to help clients move smoothly toward goals they envision for themselves and those they love,

Zalmen is proud to deliver a collegial wealth management experience in which his authenticity characterizes each interaction. Zalmen’s familiarity with clients (as people) and his ability to explain risks, trade-offs and what the future may hold – are critical to the referrals he continues to receive.

A lifetime learner, Zalmen believes that his rigorous industry training is essential to providing clients with a superior level of wealth management. Zalmen holds the:

  • Certified Investment Management Analyst® (CIMA®) designation, sponsored by the Investments & Wealth Institute™ at the Wharton School of the University of Pennsylvania.

  • Certified Plan Fiduciary Advisor (CPFA), awarded by the National Association of Plan Advisors (NAPA).

  • Chartered Retirement Planning Counselor (CRPC) designation through the College for Financial Planning.


Zalmen is also a Senior Portfolio Advisor who can help clients pursue their objectives by managing on a discretionary basis custom investment strategies, selecting from a wide range of Merrill model portfolios and third-party investment strategies. 

After spending most of his childhood in Houston, Texas, Zalmen chose to attend Rabbinical College – in Los Angeles, CA, Morristown, NJ and Petersburg, Russia – receiving his Rabbinical ordination in 1994. Zalmen actively supports several charitable organizations including a Women’s Yeshiva for Advanced Studies and the Aishel House hospitality organization at the renowned Texas Medical Center. Zalmen is an active member of The Midtown Hatzalah Volunteer Ambulance Corp. – acting as a first responder to local medical emergencies. Zalmen resides in Brooklyn with his wife, Miriam, and their six children.

  • LANGUAGES

    English & Hebrew

  • EDUCATION

    Rabbinical College of America

Professional Staff

Supported by the global resources of Merrill, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

I believe that investing without a goal is like traveling without a destination. At first, it might seem exciting – but unexpected difficulties are likely to arise. That’s why I help clients pursue financial goals with carefully calculated courses of action. Customized to the situations and aspirations of each client, my disciplined investment management strategies are crafted to help them achieve positive financial outcomes with less worry and greater confidence.

Over the past 20+ years, I’ve come to serve a loyal and growing circle of clients in 18 states – corporate executives, entities (and their retirement plans), as well as entrepreneurs, retired couples, widows and generations of families. While clients have taken different paths to creating wealth, my typical client is a good person, enjoys family time, traveling, and their achievements. They all deserve an advisor as motivated as they are.

By working with fewer clients, I can do more for each – digging deeper, maintaining more frequent contact, and helping them “see around corners” so that they can prepare for what’s next – rising interest rates, future health care costs, selling an enterprise, caring for an elderly parent, sending a child to college, or any unanticipated circumstance.

Having always provided clients with a goals-based approach, I begin by understanding, “Where you are, where you want to be, your income and expenses, your comfort with risk, and need for liquidity.”

By listening, I learn. And by learning, I can provide an enlightened perspective on asset management, wealth management, tax minimization and estate planning strategies (that can align with the efforts of your CPA and attorney), along with access to Bank of America, N.A. for residential, commercial, and securities based lending. Additionally, I look at distinct areas of your financial puzzle that may have been ignored by a previous advisor – types of insurance, for example.

Putting each client’s interests first is at the foundation of everything I do. It would be my privilege to serve you with the same level of energy and experience.

Investment Approach

With decades of experience and knowledge gained in the behavior of markets and investors, I find that realistic, long-term performance comes from determining the proper degree of risk required to help a client reach his or her goals. Specifically, I align a client’s “expected” rate of return with their “necessary” rate of return. I strongly believe that by effectively managing risk, I can help achieve a higher, more consistent return over time. To whatever extent my clients want to learn, I’m always happy to explain and educate.

I help clients’ pursue their investment goals by using what I believe is an appropriate mix of asset classes customized for each client – including, but not limited to, individual stocks and bonds, mutual funds and ETFs, hedge funds and private equity. Rather than simply manage their portfolios, I also help manage each client’s mindset and expectations. It’s especially important to help them remain disciplined and calm, even when markets become volatile.

Ultimately, I aim to give clients every opportunity to use their wealth wisely. For some, that means growing their assets without undue risk. For others, it’s about having a reliable income stream. I build and review personalized investment management strategies with which clients can feel comfortable and enjoy positive outcomes with tax efficiency.


*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.



Reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

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      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

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      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


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      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

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      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.