Zalmen is a seasoned and savvy investment professional. During his nearly 30 years in wealth management, he has helped clients identify and prioritize their financial objectives before crafting and implementing customized investment management strategies on their behalf.
After spending 14 years with Morgan Stanley, Zalmen was invited to join Merrill Lynch Wealth Management in 2009. Today, he continues to serve accomplished individuals and their families, corporate entities and their retirement plans in 18 states – employing methodologies and tactics meant to help clients move smoothly toward goals they envision for themselves and those they love,
Zalmen is proud to deliver a collegial wealth management experience in which his authenticity characterizes each interaction. Zalmen’s familiarity with clients (as people) and his ability to explain risks, trade-offs and what the future may hold – are critical to the referrals he continues to receive.
A lifetime learner, Zalmen believes that his rigorous industry training is essential to providing clients with a superior level of wealth management. Zalmen holds the:
Certified Investment Management Analyst® (CIMA®) designation, sponsored by the Investments & Wealth Institute™ at the Wharton School of the University of Pennsylvania.
Certified Plan Fiduciary Advisor® (CPFA), awarded by the National Association of Plan Advisors (NAPA).
Chartered Retirement Planning Counselor (CRPC) designation through the College for Financial Planning.
Zalmen is also a Senior Portfolio Advisor who can help clients pursue their objectives by managing on a discretionary basis custom investment strategies, selecting from a wide range of Merrill model portfolios and third-party investment strategies.
After spending most of his childhood in Houston, Texas, Zalmen chose to attend Rabbinical College – in Los Angeles, CA, Morristown, NJ and Petersburg, Russia – receiving his Rabbinical ordination in 1994. Zalmen actively supports several charitable organizations including a Women’s Yeshiva for Advanced Studies and the Aishel House hospitality organization at the renowned Texas Medical Center. Zalmen is an active member of The Midtown Hatzalah Volunteer Ambulance Corp. – acting as a first responder to local medical emergencies. Zalmen resides in Brooklyn with his wife, Miriam, and their six children.
I believe that investing without a goal is like traveling without a destination. At first, it might seem exciting – but unexpected difficulties are likely to arise. That's why I help clients pursue financial goals with carefully calculated courses of action. Customized to the situations and aspirations of each client, my disciplined investment management strategies are crafted to help them achieve positive financial outcomes with less worry and greater confidence.Over the past 20+ years, I've come to serve a loyal and growing circle of clients in 18 states – corporate executives, entities (and their retirement plans), as well as entrepreneurs, retired couples, widows and generations of families. While clients have taken different paths to creating wealth, my typical client is a good person, enjoys family time, traveling, and their achievements. They all deserve an advisor as motivated as they are.By working with fewer clients, I can do more for each – digging deeper, maintaining more frequent contact, and helping them "see around corners" so that they can prepare for what's next – rising interest rates, future health care costs, selling an enterprise, caring for an elderly parent, sending a child to college, or any unanticipated circumstance.Having always provided clients with a goals-based approach, I begin by understanding, "Where you are, where you want to be, your income and expenses, your comfort with risk, and need for liquidity."By listening, I learn. And by learning, I can provide an enlightened perspective on asset management, wealth management, tax minimization and estate planning strategies (that can align with the efforts of your CPA and attorney), along with access to Bank of America, N.A. for residential, commercial, and securities based lending. Additionally, I look at distinct areas of your financial puzzle that may have been ignored by a previous advisor – types of insurance, for example.Putting each client's interests first is at the foundation of everything I do. It would be my privilege to serve you with the same level of energy and experience.
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.
