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RUDY De La Torre , ® ” data-content=”

A Chartered Retirement Planning Counselor℠ (CRPC ® ) specializes in meeting the pre- and post-retirement needs of individuals and families, including asset management, retirement income, health and long-term care, and wealth protection and transfer.

My name is RUDY De La Torre, and I’m a licensed Merrill Financial Solutions Advisor. I can provide you with advice when you need it, an investment strategy and a portfolio aligned to your needs to help you pursue your investing goals.

I’m looking forward to discussing your goals, as well as learning about your other interests. In my free time I enjoy:

New to investing?

  • Investing basics

Investing basics

Types of investments

Your particular investing needs

Investing basics

Risk vs. reward

The advantage of time

Diversification

Types of investments

We offer a full range of investments, including: stocks and bonds, mutual funds, exchange-traded funds (ETFs) and managed portfolios.

Generally, stocks have the highest risk/return potential, and bonds (fixed income investments) the lowest.

Stocks and bonds

Mutual funds

Exchange-traded funds (ETFs)

Managed portfolios

Your particular investing needs

What are you investing for?

What is your time horizon?

What are your liquidity needs?

What is your risk tolerance?

Investing basics

Risk vs. reward
The advantage of time
Diversification

Types on investments

We offer a full range of investments, including: stocks and bonds, mutual funds, exchange-traded funds (ETFs) and managed portfolios.

Generally, stocks have the highest risk/return potential, and bonds (fixed income investments) the lowest.

Stocks and bonds
Mutual funds
Managed portfolios

Your particular investing needs

What are you investing for?
What is your time horizon?
What are your liquidity needs?
What is your risk tolerance?

Let’s get started

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Invest your way with Merrill Edge ®

  • Online investing
  • Guided Investing
  • Invest with advisor

An online account for those looking for a streamlined way to invest on their own, but not alone. There’s no minimum investment to open today.

Merrill Edge Guided Investing. Pursue your financial goals with an online investment advisory program that combines the best of online investing with portfolio management by Merrill Lynch investment professionals, all at a low cost. footnote 4, footnote 5

For those with a minimum investment of $20,000, this account offers personal advice from a Merrill Edge Financial Solutions Advisor,™ in person or over the phone, to help them plan for what matters most.

Access award-winning
research

Make more informed investing decisions with independent research from Morningstar, CFRA and BofA Merrill Lynch Global Research — ranked #1 Global Research Firm by Institutional Investor footnote 1 for the sixth year in a row.

A full range
of investments

Choose from a wide array of stocks, bonds, options, ETFs and well-known mutual funds.

Simplify investment
selection

Choose investments using simple-to-use tools and resources, like streamlined lists of stocks, ETFs and mutual funds evaluated by Merrill Lynch ® research and analytics teams.

Simple, straight
forward pricing

$6.95 online stock and ETF trades. No trade or balance minimums. You may also qualify for $0 trades. footnote 2 Other fees may apply. footnote 3

An online account for those looking for a streamlined way to invest on their own, but not alone. There’s no minimum investment to open today.

Access award-winning
research

Make more informed investing decisions with independent research from Morningstar, CFRA and BofA Merrill Lynch Global Research — ranked #1 Global Research Firm by Institutional Investor footnote 1 for the sixth year in a row.

A full range
of investments

Choose from a wide array of stocks, bonds, options, ETFs and well-known mutual funds.

Simplify investment
selection

Choose investments using simple-to-use tools and resources, like streamlined lists of stocks, ETFs and mutual funds evaluated by Merrill Lynch ® research and analytics teams.

Simple, straight
forward pricing

$6.95 online stock and ETF trades. No trade or balance minimums. You may also qualify for $0 trades. footnote 2 Other fees may apply. footnote 3

Investment strategies
for you and your goals

Tell us about yourself and your goal online for an investment strategy designed by a team of Merrill Lynch investment professionals, consisting of a recommended diversified portfolio aligned to your needs.

Portfolio management
by Merrill Lynch

Merrill Edge Guided Investing combines what you like about online investing with a portfolio managed and rebalanced footnote 6 by a team of Merrill Lynch portfolio managers. So your investments can stay in sync with your investment strategy.

Get on track,
stay on track

Visit your personalized dashboard to monitor your account’s performance and update your contributions. You can change your goal whenever you like, so your portfolio can keep up with your changing needs.

Low fee, low minimum
investment

You can get started with Guided Investing for as little as $5,000 – and the low 0.45% annual fee means that if your month-end balance is $10,000, next month’s fee would be just $3.75. footnote 7 Other fees may apply.

Merrill Edge Guided Investing. Pursue your financial goals with an online investment advisory program that combines the best of online investing with portfolio management by Merrill Lynch investment professionals, all at a low cost. footnote 4, footnote 5

Investment strategies
for you and your goals

Tell us about yourself and your goal online for an investment strategy designed by a team of Merrill Lynch investment professionals, consisting of a recommended diversified portfolio aligned to your needs.

Portfolio management
by Merrill Lynch

Merrill Edge Guided Investing combines what you like about online investing with a portfolio managed and rebalanced footnote 6 by a team of Merrill Lynch portfolio managers. So your investments can stay in sync with your investment strategy.

Get on track,
stay on track

Visit your personalized dashboard to monitor your account’s performance and update your contributions. You can change your goal whenever you like, so your portfolio can keep up with your changing needs.

Low fee, low minimum
investment

You can get started with Guided Investing for as little as $5,000 – and the low 0.45% annual fee means that if your month-end balance is $10,000, next month’s fee would be just $3.75. footnote 7 Other fees may apply.

Merrill Edge Roadmap ®

A personalized action plan provides an investment strategy to help you pursue your investing goals while building a balanced portfolio aligned to your risk tolerance, liquidity needs and investment time horizon.

Advice and guidance

A licensed Financial Solutions Advisor will discuss your life priorities and investing goals to gain a better understanding of what matters most to you and provide advice when you need it.

Choose the right
investments

We’ll recommend a professionally managed portfolio aligned to your goals. Merrill Edge Select ® Portfolios are built, managed and rebalanced by a team of Merrill Lynch investment professionals. footnote 4, footnote 6, footnote 8

For those with a minimum investment of $20,000, this account offers personal advice from a Merrill Edge Financial Solutions Advisor,™ in person or over the phone, to help them plan for what matters most.

Merrill Edge Roadmap ®

A personalized action plan provides an investment strategy to help you pursue your investing goals while building a balanced portfolio aligned to your risk tolerance, liquidity needs and investment time horizon.

Advice and guidance

A licensed Financial Solutions Advisor will discuss your life priorities and investing goals to gain a better understanding of what matters most to you and provide advice when you need it.

Choose the right
investments

We’ll recommend a professionally managed portfolio aligned to your goals. Merrill Edge Select ® Portfolios are built, managed and rebalanced by a team of Merrill Lynch investment professionals. footnote 4, footnote 6, footnote 8

Insights and perspectives

Preferred Rewards

Preferred Rewards

Enjoy real benefits and rewards on your Merrill investing and Bank of America banking account balances. And as your balances grow, so do your benefits.

Keep it together

Link your Merrill investing and Bank of America bank accounts to view and manage your money online and on your mobile device. With just one login, you can transfer funds instantly between your accounts. Footnote †

What do you care about most?

Invest for the priorities that matter most to you. Get resources, tools and solutions aligned to your financial goals.

Invest for what matters most to you: Get resources, tools & solutions aligned to your financial goals

Select a topic and explore related resources:

Take care of family & loved ones

Define your financial goals to bring it all together

Take charge of health care costs

Resources to help you make yourself at home

Strategies for every stage of your career

Spend your free time pursuing your passions

Make a difference in the lives of others

What is a Merrill Financial Solutions Advisor?

Financial Solutions Advisors are licensed investment professionals. They’re ready to offer advice and guidance to help you pursue your financial goals.

What services do Financial Solutions Advisors provide?

A Financial Solutions Advisor can provide a recommended investment strategy/managed portfolio through Merrill as well as access to Bank of America banking solutions for cash management, savings, credit, lending and more.

How should I prepare for my meeting with a Financial Solutions Advisor?

To get the most out of the meeting, you should be prepared to answer questions about what’s going on in your life today and your goals for the future. The more you’re able to share, the more effective the Financial Solutions Advisor can be in recommending investment choices. It would also be helpful to have relevant documents handy, such as: income statements (W-2 forms, pay stubs, tax documents), bank statements, investment statements, 401(k) statements and a list of your monthly expenses.

How do I get on track and stay on track with help from a Financial Solutions Advisor?

You’ll have periodic reviews with a Merrill Financial Solutions Advisor. You’ll also be able to view your progress any time online with you own personalized dashboard. Of course, you can always reach out if you have questions or need specific advice and guidance.

Are there additional benefits for Bank of America customers?

Yes. With one login, you can view and instantly transfer money online from your Bank of America bank accounts to your Merrill investment accounts. Footnote † Plus, your Merrill investment balances can help you qualify for Bank of America Preferred Rewards. If you’re already a Preferred Rewards member, your balances can help you reach the next tier of benefits. Footnote ††

  1. Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s, Bank of America Advantage SafeBalance Banking™, Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen.
  2. You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America ® personal checking or Bank of America Advantage Banking account and maintain a three-month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The combined balance is calculated based on your average daily balance for a three-calendar-month period. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. Your benefits become effective within one month of your enrollment, or for new accounts within one month of account opening, unless we indicate otherwise.
  1. Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2011-2016 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. For more information about this award, go to Institutional Investor.
  2. Eligibility: Commissions are only waived for online stock and ETF trades and conducted via an individual or jointly owned self-directed personal CMA or IRA account. MLPF&S waives its commission fee for:
    • 30 monthly online stock and ETF trades for Platinum clients
    • 100 monthly online stock and ETF trades for Platinum Honors clients
    For details about commissions, transaction fees and any other fees that may apply visit merrilledge.com/pricing. Certain account types are not eligible. Other restrictions may apply. Relationship requirements and pricing are subject to change and/or termination without advance notice. For full details about ways to qualify for $0 trades, call 888.MER.EDGE (888.637.3343) or visit merrilledge.com/$0detail.
  3. Other fees may apply. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill Edge pricing, visit merrilledge.com/pricing.
  4. Global Wealth & Investment Management Chief Investment Office (CIO) develops the investment strategies for Merrill Edge Guided Investing and Merrill Edge Select Portfolios, including providing its securities recommendations and related asset allocations. Managed Account Advisors LLC (MAA), Merrill Lynch’s affiliate, is the overlay portfolio manager responsible for implementing the Merrill Edge Guided Investing and Merrill Edge Select Portfolios strategies for client accounts, including facilitating the purchase & sale of securities in client accounts and updating account asset allocations when the CIO’s recommendations change while also implementing any applicable individual client or firm restriction(s).
  5. Please review the Merrill Edge Guided Investing Program Brochure (PDF) for important information including pricing, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. This program is not offered through an advisor. Merrill Edge investment advisory programs are offered by MLPF&S. MLPF&S and Managed Account Advisors LLC (MAA) are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.
  6. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
  7. Merrill Edge Guided Investing has an annual program fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund’s prospectus. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill Edge pricing, visit the Merrill Edge Guided Investing Program Brochure (PDF).
  8. Please review the Merrill Edge Advisory Account ADV brochure for important information including pricing, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us and is separate from any other advisory program offered with us.

RUDY De La Torre is licensed to do business in: AZ, CA, FL, NV, NY, OR, TX, WA

Supervisory Office 3550 Vine St
Riverside, CA 92507 951.369.3816

If you’d like to speak with someone about Merrill, you can also call 888.654.6837, Monday through Friday, 8 a.m. to 10 p.m. Eastern.

  • RUDY De La Torre
  • Overview

Investing involves risk. There is always the potential of losing money when you invest in securities.

Neither Merrill 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.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of BofA Corp.

Banking products are provided by Bank of America , N.A., Member FDIC and a wholly owned subsidiary of BofA Corp.

Investment products, insurance and annuity products:

  • Are Not FDIC Insured
  • Are Not Bank Guaranteed
  • May Lose Value
  • Are Not Deposits
  • Are Not Insured by Any Federal Government Agency
  • Are Not a Condition to Any Banking Service or Activity

©2020 Bank of America Corporation. All rights reserved.

My name is RUDY De La Torre and I am a Merrill Financial Solutions Advisor in Redlands, CA. Find out how to contact me to discuss your specific investment needs.

Rudy De La Torre’s email

Senior Operations Manager @ Neovia Logistics

LocationWorkEducationSkills
Los Angeles, California, United States
Senior Operations Manager @ Neovia Logistics
@ Freemont high
Management, Logistics, Operations Management, Process Improvement, Logistics Management, Supply Chain Management

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