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4001 Carmichael Road, Suite 500
Montgomery, AL 36106
Directions To Branch
Robert F. Runkle
3455 Peachtree Road N.E.
Suite 1000, Atlanta, GA 30326
Robert F. Runkle, Jr.
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background on FINRA’s BrokerCheck
Runkle & Associates is a leading wealth management team within Merrill Lynch, offering wealth management strategies and services to affluent individuals, families, institutions, trusts and endowments. Bob Runkle launched his financial services career in the early 1980s and has spent that entire time with Merrill Lynch. Robert, Jr., after completing the rigorous Merrill Lynch training program, joined forces with his father in 2011. Bob and Robert are complemented by three highly professional, deeply experienced client associates who understand how important diligent, attentive, friendly client service is to a client's top-notch wealth management experience.
The team maintains offices in both Montgomery, Alabama, and Atlanta, Georgia, for the convenience of clients and to facilitate face-to-face meetings.
Who We Work With
High-net-worth individuals and families: We limit our client engagements to high-net-worth individuals and families who face complex wealth management situations, and who, we believe, will benefit most from our capabilities and experience. Many of our relationships go back years, even decades, and a number of family relationships span two or three generations.
Institutions and retirement benefit plans: We serve several types of institutions including foundations, trade associations, endowments and workers' compensation funds. Among retirement plans, we offer services to defined benefit pension plans and defined-contribution plans, such as 401(k) and 403(b) plans.
What We Do
For individuals and families, we offer a spectrum of wealth management services to help you preserve and grow your wealth. We use a goals-based approach to identify and help you focus your objectives. With this knowledge, we help you structure diversified, customized investment portfolios to power your strategy.
For institutions and nonprofits, Bob Runkle, as a Bank of America Merrill Lynch Global Institutional Consultant, can help clients focus on investment policy, strategic asset allocation, manager search and due diligence, and investment performance reviews.
"When we start working with you, we listen intently. What are your needs? What is your financial vision? Information about you leads us to help you structure an investment portfolio that aligns with your return expectations and risk criteria appropriate for you."
Bob Runkle, CIMA®
Managing Director–Wealth Management
Wealth Management Advisor
Global Institutional Consultant
Runkle & Associates can help you create a wealth management strategy that is custom-fit to you and your family.
We use a goals-based approach to define and prioritize your individual, carefully considered objectives. That means your wealth and investment strategies are designed to help you make progress toward goals that are most important to you. This process is about optimizing the value of the resources you have; it's not about reaching for unsustainable returns or "beating" a market index. Our central task on your behalf is to spot investment opportunities that fit into your strategy, and the potential risks, and inform you quickly.
Our process integrates adjustments and rebalancing over time, as needed. Your strategy and investment portfolio should change as you navigate the inevitable twists and turns of your life. As you move forward, your strategy is designed to stay flexible so that we can talk you through different courses of action and their trade-offs.
One of our team strengths is that we speak very candidly with our advice and guidance about your choices, even during your most difficult financial decisions. As a crucial resource, we can step in to explain wealth and its management to others in your family as well.
"Helping institutions serve their constituencies has been hugely gratifying, as so many foundations and other charitable organizations are dedicated to improving the lives of others. Their mission is to give back, and they have become vital parts of communities."
For many years, insurance companies, workers' compensation boards, trade associations, nonprofit charitable organizations, pensions and retirement savings plans have turned to Bob Runkle for insight, advice and guidance. The entire team at Runkle & Associates is committed to helping these organizations use their assets and manage their businesses effectively to fulfill their missions.
For a board of trustees or an investment committee, Runkle & Associates is a source for a candid, strategic perspective, interpretations of financial industry trends and investing know-how. We take time to understand the needs of institutions, just as we do with individuals and families. Our view is that investment strategies should be linked to the organization's strategic objectives, effective governance, cash flow, liquidity needs, time horizon and risk management. A thoughtful and well-written investment policy is key to these items.
"We believe that there are sensible opportunities in the marketplace, and one of the ways to capture them is through a long-term, diversified investment strategy."
Robert F. Runkle, Jr., CRPC®
The centerpiece of Runkle & Associates' investment philosophy is the belief that asset allocation—how your investment capital is spread across different asset classes and sub-classes—is the most important determinant of portfolio performance, over time.
We work with clients of all types to target realistic return expectations, an effort that entails understanding their risk criteria. For individual investors, we look at two fundamental elements of risk: true financial risk—the estimated level of downside risk beyond which may impact lifestyle; and emotional risk—how the person feels about financial loss. These risk criteria affect how we suggest you structure your portfolio and allocate capital across asset classes and sectors.
We also take into consideration your short- and long-term goals, time horizon, liquidity and income needs, and tax sensitivities.
Taking Advantage of Diversification
Our experience has shown us the value of diversifying a portfolio across asset classes and within them. Diversification is a risk management approach that can be used to help manage short-term and long-term risks.
Leveraging the Investment Universe
We consider an investment universe that includes domestic and international stocks, taxable and tax-advantaged bonds, and cash and cash equivalents. For certain qualified investors, we may recommend alternative investments, such as hedge funds and private equity partnerships, to deepen the level of diversification.
Robert F. Runkle Sr., CIMA®
Managing Director–Wealth Management
Wealth Management Advisor
Global Institutional Consultant
Robert F. Runkle Jr., CRPC®
Christine B. Wood
Registered Senior Client Associate
Elizabeth B. Ramsey
Vicki G. Geddie
Alternative investments are intended for qualified and suitable investors only. Alternative Investments such as derivatives, hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk. Alternative Investments are speculative and involve a high degree of risk.
Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining a service or services to select.
Bank of America Merrill Lynch is a brand name used by several Bank of America Corporation (BofA Corp.) businesses, including Global Institutional Consulting (GIC), which is part of the Global Wealth and Retirement Solutions business. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A. Brokerage and investment advisory services may be provided by wholly owned brokerage affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer, Member SIPC, and registered investment adviser. Global Institutional Consultants mentioned herein are registered representatives with MLPF&S.
Equity securities are subject to stock market fluctuations that occur in response to economic and business developments.
Investments in foreign securities involve special risks, including foreign currency risk and the possibility of substantial volatility due to adverse political, economic or other developments. These risks are magnified for investments made in emerging markets.
Barron's magazine, March 7, 2016; Feb. 23, 2015; Feb. 24, 2014, Top 1,200 Advisors list. Advisors considered for the "America's Top 1,200 Advisors: State-by-State" ranking have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the Advisor rankings include: client assets, return on assets, client satisfaction/retention, compliance records, and community involvement, among others. Barron's does not receive compensation from Advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved.
Barron's magazine, Feb. 18, 2013; Feb. 20, 2012; Feb. 21, 2011; Feb. 22, 2010; Feb. 9, 2009; Top 1,000 Advisors list. Advisors considered for the "America's Top 1,000 Advisors: State-by-State" ranking have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the Advisor rankings include: client assets, return on assets, client satisfaction/retention, compliance records, and community involvement, among others. Barron's does not receive compensation from Advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved.
The Financial Times Top 400 Financial Advisors is an independent listing produced by the Financial Times (March, 2015, April 2013). The FT 400 is based on data gathered from firms and verified by broker-dealer
home offices, regulatory disclosures, and the FT’s research. The listing reflects each advisor’s
performance in six primary areas, including assets under management, asset growth, compliance record,
experience, credentials and accessibility as identified by the FT. Neither the brokerages nor the advisors
pay a fee to the Financial Times in exchange for inclusion in the FT 400.
Merrill Lynch and the Bull Symbol are trademarks of Bank of America Corporation.
Investment Management Consultants Association (IMCA®) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®. Use of CIMA® and Certified Investment Management Analyst® signifies that the user has successfully completed IMCA's initial and ongoing credentialing requirements for investment management consultants.
Chartered Retirement Planning CounselorSM and CRPC® are registered service marks of the College for Financial Planning.
Robert Runkle is registered to do business in : AL, AR, AZ, CA, DC, FL, GA, HI, IL, MO, MS, NC, NJ, OH, OR, SC, TN, TX, VA, WV, WY
Robert F. Runkle, Jr. is registered to do business in : AL, AR, AZ, CA, DC, FL, GA, HI, IL, MO, MS, NC, OH, SC, TN, TX, VA, WV
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.
Merrill Lynch is the marketing name for Merrill Lynch Wealth Management, and Merrill Edge®, both of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"). Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.
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.