Richard Gagliano
I’m a proactive Financial Advisor who believes great financial planning should evolve as quickly as the lives and businesses it serves. Each day, I help business owners, retirees, and corporate leaders simplify complexity through tax‑efficient wealth strategies, personalized retirement planning, and disciplined portfolio management. I bring focus and momentum to every client relationship.
Every engagement begins with a customized, goals‑based financial plan—a living roadmap that connects cash flow, investments, taxes, and legacy priorities to the life my clients want to build. From there, I periodically review progress, adjust for changing conditions, and educate clients so they feel informed, confident, and in control at every step.
Outside the office, I enjoy fitness, cooking with my wife, and chasing birdies on the golf course. If you’re looking for a strategic, forward‑thinking partner to help you make smart decisions with your wealth, I’d welcome the opportunity to connect.
I believe that financial success can be achieved when you're able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you're planning your retirement, saving to buy a home or funding a child's education, the process begins by getting to know you and how you feel about the following:
- Health: Managing healthcare expenses, now and in the future
- Home: Upsizing, downsizing, remodeling or buying a vacation home
- Family: Taking care of your family and other people in your life
- Leisure: Spending your free time in meaningful ways
- Giving: Volunteering, mentoring others and giving to charities
- Work: Working in retirement, selling or starting a business
- Finance: Bringing it all together and defining your financial goals
Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.
Investing involves risk. There is always the potential of losing money when you invest in securities.
This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.
Bringing fresh perspectives to your financial life
The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.
