Vero Beach, FL Office
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Merrill
Institution
Firm-wide stats for Merrill
About
Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program. The firm offers model‑based and discretionary strategies constructed by internal Chief Investment Office (CIO) teams and third‑party style managers and implements trading, account administration and custody support for individuals, high‑net‑worth clients, pension and profit‑sharing plans, corporations and charitable organizations.
Portfolio implementation varies by Strategy: some are model‑based where MAA implements CIO or style manager models, while others authorize third‑party Discretionary Managers to execute trades directly; the CIO also uses strategic and tactical asset allocation and offers “tax aware” versions of related strategies for higher tax‑sensitivity investors. Cash allocations are typically swept through the Bank’s Cash Sweep Program or invested in money market alternatives, and clients can request reasonable investment restrictions (which MAA may accept or decline and may have limited effect where Funds are used).
Several features in the brochure distinguish Merrill from many peers: as part of the Bank of America group it has affiliates that operate in swaps and derivatives markets and it has disclosed planned arrangements to receive “Support Fees” and to offer optional Data Analytics to third‑party firms beginning January 1, 2027 (the brochure notes Merrill will not receive Support Fees for accounts enrolled in the SPS Program). The firm also discloses multiple SEC administrative orders and related enforcement matters (including a 2025 order with a $25 million civil penalty related to cash sweep disclosures), and the Program materials do not present the SPS service as a source of standalone financial planning.
Based on Merrill
Location
Vero Beach FL
Advisors at this office
2
Advisors at this office
Vincent F
Series 63, Series 65
Vero Beach, FL
Merrill
Vincent Freudenberger is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 35 years of experience in the financial industry. His professional focus encompasses college education planning, portfolio management services, women and wealth, and retirement income strategies. Vincent follows a disciplined, risk-conscious approach to wealth management, emphasizing capital preservation, income-oriented strategies, and long-term portfolio care. He has extensive experience guiding families through changing market environments and prioritizes protecting the assets clients have accumulated. Throughout his career, he has concentrated on multi-generational investing and maintains longstanding client relationships spanning over thirty years. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Framingham State College. Vincent communicates with clients in both English and Spanish. Outside of work, his personal interests include cooking, fishing, gardening, golfing, music, photography, reading, traveling, and yoga.
Patrick C
Series 63, Series 65
Vero Beach, FL
Merrill
Patrick Cahill III is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 1983 and has served as a Senior Vice President in wealth management. Patrick holds the designation of CERTIFIED FINANCIAL PLANNER™ professional, awarded by the Certified Financial Planner Board of Standards, Inc. in 2003, and is also a Personal Investment Advisor (PIA). Patrick received a Bachelor of Science degree in Business Administration from Villanova University. His areas of focus include managed money strategies, business financial services, retirement planning, estate needs, and college education planning. He works with clients on college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Outside of his professional role, Patrick enjoys basketball, golfing, spending time with his family, and traveling. His approach involves collaborating one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.
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