Cynthia DiGregorio

What I Can Help With

**++Retirement Planning++** Whether retirement is just around the corner or still years away, I help clients build a strategy designed to support the lifestyle they envision. Together, we'll look at savings, income, investment strategy, Social Security, and retirement accounts to create a plan that evolves as your life changes. **This may include:** * 401(k), 403(b), SEP IRA, and SIMPLE IRA planning * IRA and Roth IRA strategies * Retirement account rollovers * Required Minimum Distribution (RMD) planning * Social Security planning **++Investment \& Wealth Management++** Your investments should reflect your goals—not someone else's. I work with clients to build diversified portfolios, develop long\-term investment strategies, and make thoughtful decisions around asset allocation, tax efficiency, and risk management. **This may include:** * Investment management * Portfolio construction and asset allocation * Tax\-aware investing * Wealth accumulation strategies * Wealth preservation strategies **++Life Transitions++** Major life events often come with important financial decisions. Whether you're changing careers, approaching retirement, receiving an inheritance, navigating divorce, or becoming widowed, I provide guidance to help you move forward with clarity and confidence. **This may include:** * Career changes * Retirement plan rollovers * Divorce planning * Planning for widows and widowers * Inheritance planning **++Legacy \& Family Planning++** Financial planning isn't only about today—it's also about the people and causes that matter most to you. I can help coordinate estate planning strategies, review beneficiary designations, and work alongside your attorney and tax professional to help ensure your wishes are reflected in your overall financial plan. **This may include:** * Estate planning coordination * Trust and legacy planning * Beneficiary reviews * Wealth transfer strategies * Charitable giving strategies ++**Milestones \& Major Decisions**++ Every financial decision is connected. Whether you're preparing to buy a home, planning for retirement, saving for a child's education, reviewing employer benefits, or navigating another major milestone, I can help you understand how each decision fits into your overall financial picture. **This may include:** * Home purchase and financing preparation * Cash flow and budgeting * Education savings planning * Insurance and risk management reviews * Executive compensation and workplace benefits * Small business retirement plans

Frequently Asked Questions

**I already have a financial advisor. Why would I meet with you?** Having another conversation doesn't mean you're looking to replace your current advisor. Sometimes it's simply an opportunity to get a second perspective. Every advisor has a different approach, and that's one of the reasons a second set of eyes can be beneficial. I take the time to understand who you are, what's important to you, how you feel about money and investing, and what you want your future to look like. From there, we build a plan that helps guide the financial decisions you make along the way. Even if you ultimately decide to stay exactly where you are, gaining another perspective can help you ask new questions, identify opportunities, or simply give you greater confidence that you're on the right path. **I feel like I'm behind. Is it too late to start planning?** Not at all. In fact, this is one of the most common concerns I hear. Everyone's financial journey is different. Some people begin investing in their twenties, while others don't have the opportunity until much later because they were raising a family, changing careers, paying off debt, or simply trying to make ends meet. Comparing yourself to someone else's timeline rarely tells the whole story. My goal is to meet you where you are today, understand what's important to you, and help you build a plan for where you'd like to go. Whether you're investing your first dollar or preparing for retirement, every financial plan starts the same way—with a conversation. **What happens during our first meeting?** Our first meeting is simply a conversation. We'll talk about where you are today, what's important to you, and what you'd like your financial future to look like. I'll ask questions to better understand your goals, your current financial picture, and how you feel about investing and financial decisions. You don't need to have everything figured out before we meet, and you won't be asked to make any decisions that day. My goal is to understand your situation, answer your questions, and determine whether it makes sense for us to continue the conversation. After our first conversation, I'll use everything we've discussed to develop a personalized financial plan. We'll schedule a second meeting to review it together so you understand not only my recommendations, but also the reasoning behind them. **Why work with a financial advisor if I can manage my own investments?** Many people are perfectly capable of managing their own investments, and for some, that may be the right approach. Where I believe I add value is by helping connect all the pieces of your financial life. Investment decisions are important, but they're only one part of a much bigger picture. Retirement planning, taxes, Social Security, cash flow, estate planning, employer benefits, and major life decisions all influence one another. My goal isn't simply to recommend a strategy—it's to help you understand it. I want my clients to feel confident in the decisions we make together because they understand their options, the reasoning behind my recommendations, and how each decision supports their long\-term goals.

Personalized planning

**Helping you create a personalized plan** At Merrill, we go beyond the traditional role of an advisor. * Your goals, concerns and attitude about investing are the foundation of your plan. * We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family. * We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Team and resources

**Giving you access to our teams and solutions** Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with: * Bank of America specialists, such as mortgage or trust professionals * Timely insights from BofA Global Research1 to help you stay informed and navigate ever\-changing markets * A [full suite](https://www.ml.com/solutions/all.html) of Merrill investing and Bank of America banking solutions ^1^~BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker\-dealer, [Member SIPC](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition