The 712

Investment Group

560 Lexington Avenue, 2nd Floor
New York, NY 10022
Phone: 888.775.3752
Directions to Branch
Download Our Brochure (PDF)


  • Welcome
  • Our Philosophy
  • Your Wealth Strategy
  • Exceptional Service
  • Get to Know Us

Reprinted with permission of Barron's

Our goal is to guide you in developing investment strategies for the many life scenarios you may face: retirement income planning, education, borrowing, philanthropy or wealth transfer issues.

— John J. O'Neill Sr.
Managing Director–Wealth Management
Resident Director
Financial Advisor

Focusing on You

The 712 Investment Group is a multidisciplinary team of highly skilled, compassionate financial professionals with more than 100 years of combined financial services experience. With offices strategically located in New York City and San Francisco, we offer personalized advice and guidance by combining the intimacy of a small family office with the investment insights of Merrill Lynch and the banking convenience of Bank of America.

The 712 Group focuses on three client segments:

  1. Families and individuals (multigenerational families, corporate executives and small-business owners)
  2. Foundations and endowments (public and private)
  3. Retirement plan services (qualified and nonqualified plans for medium and small businesses and the self-employed)

We are 100% referral-based and do not prospect for new clients. This allows us to dedicate all our time to maintaining and deepening existing relationships.

We see every interaction with you and your family as an opportunity to listen, learn, develop and review—together.

— Richard S. Wald, CRPC®
Managing Director–Wealth Management
Wealth Management Advisor

Your Future Begins With a Conversation

Every relationship we build begins by exploring your aspirations for your lifestyle now and in the years to come for every generation of your family. We start by listening to you to gain a deep understanding of the moving parts of your financial life. Recognizing the concerns that can affect your family and finances — today and in the future — can put us in a better position to help you develop a wealth management strategy uniquely tailored to your circumstances.

We take an overview of your entire financial life, from your wealth transfer plans to your income and total assets, to develop suggestions, free of emotion and tailored to your goals, liquidity needs, time horizon and risk tolerance.

The customized strategies we offer include a wide range of financial services:

  • Investment and retirement income planning services
  • Estate planning services and wealth transfer strategies
  • Philanthropic and charitable giving strategies
  • Education funding strategies
  • Access, through Bank of America, to banking and lending services and to help with trusts
  • Insurance and annuity review

We are driven to continue to develop lifelong relationships that evolve with the lives of clients and their family members to help secure their family's legacy for generations to come.

Philanthropy is about fulfilling goals of great personal importance. We can help develop strategies dedicated to pursuing your vision and create a tradition of giving.

— John J. O'Neill Sr.
Managing Director–Wealth Management
Resident Director
Financial Advisor

Helping You Make Your Philanthropic Giving More Gratifying and Impactful

For more than a decade, The 712 Investment Group has been working with internal specialists to help affluent families, foundations, charities and endowments address their unique charitable objectives. Whether you are in the early stages of giving back to your community, in the process of creating an enduring legacy through family philanthropy, starting a new trust or foundation or need support for an existing program, we are equipped to help you pursue your personal charitable objectives.

Working with Bank of America specialists, we are prepared to help you design and implement philanthropic strategies in a variety of areas, including:

  • Donor-advised funds
  • Foundations and endowments
  • Small family foundations
  • Large public foundations
  • The review and update of investment policy statements, with the help of a specialist from Bank of America Merrill Lynch Global Institutional Consulting

We can help educate your employees about important topics, such as preparing for retirement, asset allocation strategies and investment basics.

— Michael B. Smyth, CRPC®
Vice President
Financial Advisor
Retirement Benefits Consultant

Helping Meet the Needs of Retirement Plan Sponsors

As an employer, you understand the critical role a well-designed retirement program can play in helping to attract and retain highly talented employees, meet your fiduciary obligations, make the most of your business assets and assist your employees with their retirement savings goals.

We can help you address the various facets of designing defined-benefit and defined-contribution plans, including:

  • Needs assessment—We can work with you to understand and evaluate your business requirements and assess the various types of retirement plan programs that may be appropriate for your organization.
  • Investment analysis and menu selection—We can assist you in developing methods for maintaining an investment menu and creating a review schedule for funds.
  • Employee communication and education—Working with Merrill Lynch financial advisors throughout the country, we can conduct enrollment meetings, educational sessions and ongoing communications with your employees.

Your client experience is our most important priority, and we strive to offer the highest level of professionalism, responsiveness and outstanding service each time you contact us.

— Travis J. O'Brien
Senior Vice President–Wealth Management
Financial Advisor

Experience, Service and a Commitment to Clients

Teamwork is at the heart of our culture. We combine the diverse talents and resources of our large, experienced team as we help you create informed strategies to pursue your goals. When working with us, you are paired with a lead and a back-up financial advisor, who work collaboratively and in tandem to offer you a valuable perspective on wealth management. Our commitment to you is to provide the highest level of professionalism, responsiveness and service every time you contact us.

View John J. O'Neill Sr.'s Profile
John J. O'Neill Sr.
Managing Director–Wealth Management
Resident Director
Financial Advisor
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View Richard S. Wald's Profile
Richard S. Wald
CRPC®

Managing Director–Wealth Management
Wealth Management Advisor
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View Travis J. O'Brien's Profile
Travis J. O'Brien
Senior Vice President–Wealth Management
Financial Advisor
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View Brian T. Noone's Profile
Brian T. Noone
Senior Vice President–Wealth Management
Financial Advisor
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View John O'Neill Jr.'s Profile
John O'Neill Jr.
CFP®, CRPC®

Senior Vice President–Wealth Management
Wealth Management Advisor
Portfolio Manager
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View Michael B. Smyth's Profile
Michael B. Smyth
CRPC®

Vice President
Financial Advisor
Retirement Benefits Consultant
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View Daniel A. Jeffers's Profile
Daniel A. Jeffers
CFP®

Vice President
Wealth Management Advisor
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Nessa C. Boland
Financial Services Associate
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Cheryl L. Tudor
Registered Senior Client Associate
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Michael O'Neill
Registered Client Associate
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Eleni (Helen) S. Grous
Client Associate
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Daniel J. Tyburski
Client Associate
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John O'Neill is registered to do business in:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA

John J. O'Neill is registered to do business in:AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY

Richard Wald is registered to do business in:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA

Travis O'Brien is registered to do business in:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA

Brian Noone is registered to do business in:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA

Michael Smyth is registered to do business in:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA

Dan Jeffers is registered to do business in:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA

For questions regarding registration information please contact your Financial Advisor.
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