Jay Fields
,
Senior Vice President, Wealth Management Advisor
NMLS #578312
4400 Route 9 South
Freehold, NJ 07728
732.308.1242
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“An investor without investment objectives is like a traveler without a destination.”
Profile

“An investor without investment objectives is like a traveler without a destination.”

Jay has been a part of the financial services industry since 1992 and joined Merrill Lynch Wealth Management in June of 2010. He focuses on clients’ goals and concerns, offering the goals-based wealth management process, global resources and up-to-the-moment Web technology that complement his ability to help clients pursue the financial lifestyle that is most meaningful to them.

Jay is a problem solver who works to simplify high-net-worth clients’ financial lives. He assists clients in identifying and prioritizing their various goals—including estate planning services, education funding, investments, tax minimization strategies, wealth transfer and retirement income—then developing strategies that may be customized to fit their personal circumstances and their own unique feelings and attitudes. He is also a firm believer in paying close attention to both sides of a client’s balance sheet, You may also benefit from the experience of a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized home financing guidance focused on your needs. He works hard to gain clients’ trust and is committed to helping optimize their resources so they can make the most of what they have.|I help my clients make smart decisions about their money so they can spend more time doing what they love. My approach to wealth management enables you to organize your wealth so that all the components of your financial life work together toward achieving the goals you most want for yourself, your family and your community. This means having all of your challenges addressed and your entire financial situation enhanced. It goes beyond traditional investment ideas to encompass all types of financial needs throughout all phases of your life.

Clients and their needs are more complex than our industry has acknowledged. Traditional wealth management relies heavily on asset class optimization. Its task is to find the best returns for a set of investments at an acceptable level of risk. But this approach often fails to adequately take into account a client’s financial goals and personal priorities.

Goals based wealth management (GBWM) offers a focused, consistent approach that can help uncover a deeper understanding of our client’s goals and priorities, and develop strategies tailored to best achieve each goal. Using this consultative approach, by contrast, our client can take into account unique specifications of the financial dimensions of his or her goals and risk attitude with respect to each goal.

Furthermore, GBWM can be used to manage a client’s personal balance sheet and cash flows to achieve goals that span multiple time horizons and life stages. Since each client goal can have a distinct personal meaning and importance, it is logical that associated risk attitudes vary across goals. Unlike traditional asset allocation, in which accounts and products are managed independently of human capital (earning potential), financial assets and goals, GBWM considers all assets, liabilities and goals together. Consequently, with GBWM, portfolio construction strategies can be customized to each client’s personal needs and preferences. Doing so makes it easier to structure, track and adapt the plan of action best suited to each individual client.
I welcome the opportunity to see how I may be of assistance to you. Please feel free to contact me.

*Goals Based Wealth Management
*Portfolio Management
*Estate & Trust Services
*Personal Retirement Strategies
*Small Business Retirement Plans

Jay is a specially qualified Senior Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, options, and third-party investment strategies. Senior Portfolio Managers are provided a high degree of flexibility in constructing portfolios and selecting securities. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Manager may manage his strategies on a discretionary basis. After meeting certain additional requirements, a Senior Portfolio Manager may use his own strategies to manage the assets of other Merrill Advisors’ clients. Jay works to provide an exceptional level of client care and service, and he invites you to contact him to see how his knowledge and service can help meet your financial needs.

Jay began his career in the financial industry with Prudential Securities in 1983 as a technologist. Over the next 10 years Jay worked at JP Morgan & First Boston where he was instrumental in the development of state of the art, computerized portfolio trading systems. In 1992, he joined the Lehman Brothers Investment Banking Division of Shearson Lehman Brothers as a Financial Consultant to offer clients a wide range of financial services. Jay finished first in his training class of 160. In 1994, he was certified as a Portfolio Manager with the Smith Barney's Portfolio Management Group. In June 2008, Jay earned the designation of Chartered Retirement Planning Counselor from the College for Financial Planning Institutes Corp. In October of 2016, Jay earned the prestigious designation of Certified Private Wealth Advisor® from Investments & Wealth Institute.


*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products. 
Community involvement is an integral part of how we interact with clients and communities. We are enthusiastically involved with volunteering and fundraising for organizations such as Special Strides, UJA Federation in the Heart of NJ, President of Congregation B'nai Israel in Manalapan, NJ . Let us show you how our professionalism and dedicated client service could benefit you and your family. Contact us at your earliest convenience.

Recognition
Forbes "Best-in-State Wealth Advisors", 2018-2024
(Published annually Jan – April. Rankings based on data as of June 30 of prior year.)
Forbes "Best-in-State Wealth Management Teams", 2023-2024
(Published annually in January. Rankings based on data as of March 31 of prior year.)
Click here to learn more about advisor recognitions
About Me
Welcome

I focus on clients goals & concerns, offering a goals-based wealth management process, global resources & the latest Web technology that complement my ability to help clients pursue the financial lifestyle that is most meaningful to them. I am a problem solver who works to simplify clients financial lives. I assist clients in identifying & prioritizing their various goals then developing strategies that may be customized to fit their personal circumstances & their own unique feelings & attitudes. I am also a firm believer in paying close attention to both sides of a client's balance sheet, which is why I offer access to a Wealth Management Lending Officer from Bank of America, N.A., who can draw upon an expansive array of home financing solutions designed to fit into your overall financial strategy and help you pursue your financial objectives. I work hard to gain clients' trust & am committed to helping optimize their resources so they can make the most of what they have.

*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.
Meet Our Professional Staff
Joann M Bracken
Wealth Management Associate
732.308.1238
Priscila C Dolack
Wealth Management Client Associate
732.308.1201
Additional Resources
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Elizabeth Kubeck
Wealth Management Lending Officer
NMLS #486013
Allison Baldino
Wealth Management Banking Specialist
About Merrill

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.

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Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo are certification marks or registered certification marks of The College for Financial Planning Institutes Corp. in the United States.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CPWA® and Certified Private Wealth Advisor®. Use of CPWA®, and/or Certified Private Wealth Advisor® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for wealth advisors.
Jay Fields is registered to do business in AL, AZ, CA, CT, DE, FL, GA, HI, ID, IL, IN, KY, MA, MD, MI, NC, NJ, NV, NY, OH, OK, PA, SC, TN, TX, VA, VT, WA.