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17225 EL CAMINO REAL
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Wealth Management Advisor
Senior Financial Advisor
First Vice President - Wealth Management
Senior Vice President - Wealth Management
The RF Group assists clients in developing long-term wealth management strategies to provide guidance for their personal and business finances. This includes: individual and family accounts, corporate cash, 401K and profit sharing plans. Other areas of concentration are portfolio analysis, retirement planning, life insurance analysis and funding, and a full compliment of wealth services. They assist clients with investment tax, estate and wealth transfer strategies.Kevin Ruszkowski, Senior Vice President-Wealth Management, Wealth Management Advisor - Kevin graduated from the University of Arkansas with a degree in Business Management. He joined Merrill Lynch in 1990. Kevin focuses on asset allocation and portfolio design, with a focus towards higher net worth clients. Micheal Fisher, First Vice President-Wealth Management, Wealth Management Advisor - Micheal joined the Clear Lake Merrill Lynch office in 2005. He graduated from Kansas State University and he concentrates his business on corporate 401K & profit sharing plans and individual accounts. Micheal holds the CRPS® - Chartered Retirement Plans Specialist SM , and CRPC® - Chartered Retirement Planning CounselorSM designations. April L Novack, Registered Senior Client Associate – April joined Merrill Lynch in 1999. She provides clients with a high level of attention, coordinating new account documentation and account transfers and performing other administrative services. April’s depth of knowledge of administrative services is invaluable to the team's wealth management process.The team works closely with clients' other family advisors, including attorneys and accountants, to focus on clients' total wealth management needs. CRPC® and Chartered Retirement Planning CounselorsSM and CRPS® and Chartered Retirement SpecialistSM are registered service marks of the College for Financial Planning.” Asset Allocation does not ensure a profit or protect against loss in declining markets.
Micheal Fisher is registered to do business in : AR, CA, CO, DE, FL, GA, IA, IN, LA, MA, NC, NE, NJ, NY, OK, OR, TX
Kevin Ruszkowski is registered to do business in : AR, CA, CO, DE, FL, GA, IA, IN, LA, MA, NC, NE, NJ, NY, OK, OR, TX
Privacy & Security
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Investment products, insurance and annuity products:
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
MLPF&S and U.S. Trust make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest.