Joseph Cruz
First Vice President, Wealth Management Advisor
75 Rockefeller Plz
New York NY 10019
(212) 415.7903
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As your Merrill advisor, the focus in working with you is to connect all aspects of your financial life to help you prioritize and pursue the goals that matter most to you.
Profile
 
Joseph first joined Merrill Lynch Wealth Management in 2008 and has over 9 years of industry experience including working as an Examiner for the New York Stock Exchange.  Joseph is a CERTIFIED FINANCIAL PLANNER™ professional, a certification awarded by the Certified Financial Planner Board of Standards, Inc.  Joseph and his team work with high net worth individuals, families, businesses and private foundations providing financial strategies customized to their individual needs, including cash flow analysis, asset allocation analysis and net worth statements.  In addition, he often advises clients on strategies that address retirement planning, investment management, securities based lending, insurance and estate planning services.
 
Joseph is an alumnus of La Salle Academy in New York City and holds a Bachelor of Science degree in Finance and Computer Information Systems from Manhattan College where he was Captain of the Track & Field team.  Joseph is a member of the New York Athletic Club and lifelong resident of Manhattan.
 
Certified Financial Planner Board of Standards, Inc. owns the certification marks CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP® Board’s initial and ongoing certification requirements.
About Me
Welcome

My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you'd like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.

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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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and the CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Chartered SRI Counselor™, CSRIC®, and the CSRIC® logo are certification marks or registered certification marks of The College for Financial Planning Institutes Corp. in the United States.
Joseph Cruz is registered to do business in AR, AZ, CA, CO, CT, DC, FL, GA, IL, IN, KY, MA, MD, ME, MI, NC, NH, NJ, NV, NY, OR, PA, RI, SC, TX, UT, VA, WA, WV.