Ralph Diaz
Senior Vice President, Senior Financial Advisor
1700 Route 23
Wayne, NJ 07470
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Accessible, knowledgeable and experienced, I am committed to building and maintaining a strong relationship with you. I am passionate about what I do and I bring that passion to helping you and your family make what may be the most important financial decisions of your lives.

Recession… The Persian Gulf Crisis…. S&L Debacle… Housing Slump… Plunging Consumer Confidence… Higher Taxes… Mountains of Debt… High Unemployment

Major Headlines of 1991 (Dow closes the year at 3168)

A graduate from Rutgers University with a B.A. in Economics, Ralph began his career in the financial services industry over 25 years ago in the summer of 1991. He devoted his efforts establishing himself as a trusted advisor to wealthy individuals, assisting them with many life changing investment decisions.

The headlines have changed but the challenges remain the same and so do the opportunities for those with a sound investment process. Ralph has since achieved a CRPC or Chartered Retirement Planning Counselor designation to better serve his clients. 

As a husband and father of two, he understands the importance of defining one’s financial goals. To identify your needs, he will help you explore topics including, preservation of capital, investing for growth and income, planning for education, retirement and estate needs.

Once your goal and risk profile has been defined and an appropriate asset allocation is determined, he will design an investment strategy, consisting of options such as individual securities, managed funds, tax-efficient products and other financial instruments. Equally important, he can help track and fine-tune your investment program to accommodate changes in life and challenging market conditions.

Ralph has demonstrated a strong commitment to the people he serves and has been entrusted with many family members and friends of clients who value his process. He appreciates your consideration and when given the opportunity, will provide a valuable service while cultivating a long-term relationship.

About Me

Placing the investor at the center of the planning process—while maintaining a market focus — is my goal in helping you work through difficult financial transitions and decisions that can occur in your life. The process begins by getting to know you, your family and financial situation, understanding your risk tolerance, time horizon, liquidity needs, goals, priorities and unique financial concerns. From there, a personalized financial strategy is designed, drawing upon the investment insights of Merrill and accessing the credit, lending and banking solutions available from Bank of America. As your needs or market conditions change, I will meet with you to track and adjust your approach, as necessary.

Meet Our Professional Staff
Margaret G Mccombs
Officer, Wealth Management Client Associate
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.
Ralph Diaz is registered to do business in AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, LA, MA, MD, ME, MN, MS, MT, NC, NH, NJ, NV, NY, OH, PA, RI, SC, TN, TX, VA, VT, WA.