Cynthia DiGregorio

I believe financial planning is about more than numbers. Behind every financial decision is a person, a family, a goal or a dream for the future.
What I enjoy most about my work is helping people simplify complex decisions and gain confidence in their financial lives. Money can create uncertainty, stress and difficult choices, but it can also provide opportunites, freedom, and peace of mind when approached with a thoughtful plan.
I am passionate about building meaningful relationships and taking the time to understand what is important to each client. The most rewarding part is seeing someone move from feeling overwhelmed or unsure to feeling informed, confident, and empowered in their decisions.
I consider it a privilege to be a part of of my clients' financial journeys and to provide guidance that helps them focus on what matters most in their lives.

What I Can Help With:
-Retirement Planning
-Retirement Income Strategies
-Retirement Plan Rollover
-401(k), 403(b), and Employer Retirement Plans
-IRA and Roth IRA Planning
-Required Minimum Distribution (RMD) Planning
-Social Security Planning
-Investment Management
-Portfolio Construction and Asset Allocation
-Wealth Accumulation Strategies
-Tax-Efficient Investing
-Tax-Aware Wealth Management
-Estate Planning Coordination
-Trust and Legacy Planning
-Wealth Transfer Strategies
-Beneficiary Reviews
-Inheritance Planning
-Financial Planning for Women
-Divorce Financial Planning
-Planning for Widows and Widowers
-Financial Planning During Major Life Transitions
-Career Change and Job Transition Planning
-Executive Compensation Planning
-Concentrated Stock and Liquidity Planning
-Cash Flow and Budget Planning
-Education Savings Planning
-Insurance and Risk Management Reviews
-Long-Term Financial Goal Planning
-Business Owner Financial Planning
-Small Business Retirement Plans
-Charitable Giving Strategies
-Multi-Generational Wealth Planning
-Wealth Preservation Strategies
-Financial Confidence and Decision-Making Support

If you are looking for guidance on a financial matter that is not listed here, I encourage you to reach out. Every client's situation is unique and I would welcome the opportunity to discuss how I may be able to help.

*You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information contact your Merrill Financial Advisor.

Trust, fiduciary, and investment management services, including assets managed by the Specialty Asset Management Team, are provided by Bank of America, N.A., Member FDIC, and wholly owned subsidiary of Bank of America Corporation ("BofA Corp."), and its agents.
Bank of America Private Bank is a division of Bank of America, N.A.