1. finance
2. investing
3. stocks

The Marton Bute Marcus
Wealth Management Group
From left to right: Robert Marton, John Bute, Chip Marcus
The Marton Bute Marcus Wealth Management Group guides affluent individuals and families
through the development and implementation of their customized wealth management
strategies. Because we focus our efforts on a limited number of clients, we can dedicate the
time and personalized attention you deserve. Our team applies more than 30 years of combined
experience to supply highly focused, thorough advice and guidance to each relationship.
In our practice, we emphasize asset allocation as a critical component of a strategic,
long-term investment process.
The era of investing in just three asset classes—stocks, bonds and cash—is past.
We encourage consideration of asset allocation techniques for individuals—techniques that have
long been reserved for sophisticated institutional investors, such as university endowment funds.
You can expect that—and more—from The Marton Bute Marcus Wealth Management Group.
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Bank of America Corporation (BAC).
Banking products are provided by Bank of America, N.A., member FDIC and a wholly owned subsidiary of BAC.
Investment products:
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Are Not Bank Guaranteed
May Lose Value
Merrill Lynch makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of BAC or in which BAC has a substantial economic
interest, including BofATM Global Capital Management.
“We use
asset allocation
to gain exposure to investment opportunities
that go far beyond traditional stocks and bonds.”
Robert W. Marton, CFP®, CIMA®
SENIOR VICE PRESIDENT–WE ALTH MANAGEMENT
WE ALTH MANAGEMENT ADVISOR
PORTFOLIO MANAGER, PIA PROGRAM
Our Philosophy
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A wealth management strategy should be centered on you and what is important to you.
Your investment portfolio, diversified among and within asset classes, is the foundation of an
individualized strategy.
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We strive to help you manage the volatility of your investment portfolio in a manner designed
to help preserve and grow your investment over time.
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Where appropriate, we can work with you to incorporate asset allocation techniques into your
investment strategy, expanding the universe of asset classes available to your portfolio. By
strategically diversifying your investments beyond the three traditional asset classes, we seek
to assist you in finding global investment opportunities, with the goal of improving your riskadjusted investment returns.
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Strategic, Diversified Investing Strategy
By expanding your portfolio beyond stocks, bonds and cash, you can explore an array of
opportunities available in today’s round-the-clock, global markets, while focusing on those with
potentially less risk.
When we develop your asset allocation strategy with you, we dynamically allocate across a
multiple of asset classes, upwards of five or more. Obviously, this presents more choices. What is
most important is that this broader universe of asset classes gives you more flexibility to balance
the targeted returns of your portfolio with the level of risk you are willing to assume.
The process of blending assets and balancing risk is based on “correlation”—how the prices of
different assets move relative to each other. The more they move in the same direction, the more
they are correlated.
Through diversification, we seek uncorrelated investments that, when put together in a portfolio,
are aimed at reducing risk.
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“Expanding the number of asset classes
used in your portfolio is designed to help
reduce risk.
It allows your investments to be spread among
multiple asset classes that have low correlations.”
John C. Bute
VICE PRESIDENT
SENIOR FINANCIAL ADVISOR
Four Key Beliefs
Our investment discipline is based on the following principles:
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Target investment returns based on your customized portfolio, aimed at the goal of having the
least amount of volatility based on your risk profile.
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Seek to balance return and risk by strategically diversifying investments into an expanded set
of asset classes.
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Measure, analyze and monitor risk in its many forms, while focusing on the “standard
deviation” of your returns—a common definition of risk.
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Pursue an objective of absolute return and target a smooth sequence of returns for the
investor over time. In order to seek an appropriate balance, we strive to avoid unsustainable
“highest of high” returns and avoid unacceptable “lowest of low” returns.
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Institutional Thinking Applied to You
We believe asset allocation is at the core of any long-term investment strategy. Under ideal
conditions, asset allocation can help improve a portfolio’s risk-adjusted return to help clients benefit
from rebalancing.
For the past several decades, institutional investors have often been at the leading edge of
investment diversification and portfolio risk management. Indeed, we believe that such investors
were able to navigate the challenging markets of 2008 and 2009 because of their broad
diversification and their disciplined approach to managing risk.
That is what we aim to do for individuals. We take the key practices of an institutional approach
and suggest them for your asset allocation and portfolio, as appropriate.
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“Institutional investment managers look to
?road diversiæcation
of asset classes as an essential method of
smoothing out investment returns over the long
term. We also subscribe to this thinking.”
Chip C. Marcus, CFP®
VICE PRESIDENT
WE ALTH MANAGEMENT ADVISOR
College and university endowment funds are good examples of institutional investors that know
the value of broad diversification.
University endowments are invested to provide economic resources for future generations of
students, faculty and administrators. As a consequence of this need to provide funding over the
long term, endowments are also intent on preserving capital across all market cycles.
The aim is to reduce the standard deviation of returns, with a goal of making the compounding of
investment capital steady and smooth.
Our approach is similar to endowment investment managers who diversify their portfolios well
beyond stocks, bonds and cash, and can include professionally managed nontraditional asset
classes, as appropriate, such as hedge funds, commodities and alternative investments. Such
diversification can also include natural resources, gold and emerging markets, as appropriate.
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Flexible Strategies for Helping You Manage Investments
The Marton Bute Marcus Wealth Management Group takes full advantage of the depth and breadth
of Merrill Lynch—as well as access to the banking convenience of Bank of America—to identify
strategies designed to help you pursue your financial objectives. When combined with BofA
Merrill Lynch Global Research capabilities, our ability to offer recommendations, insights, market
analysis and risk-management strategies is, we believe, highly attractive to clients seeking a higher
level of wealth management.
Clients who prefer not to be involved in day-to-day investment decisions may want to consider
discretionary portfolio management. Robert Marton is specially qualified under the Merrill Lynch
Personal Investment Advisory® (PIA) Program and can offer this service. As with any investment,
your PIA portfolio is created in accordance with your goals, investment objectives, liquidity needs,
short- and long-term goals, time horizon and risk tolerance, and may include stocks, bonds and
other appropriate investment vehicles.
With your permission, discretionary portfolio management enables Robert to manage your
portfolio, reallocating assets and adjusting your holdings as necessary in response to changes in
market conditions, your investment objectives and financial circumstances.
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“Service and
responsiveness
are the hallmarks of our interaction with clients.
We make sure a team member is available
to help you with a problem or request.”
Robert W. Marton, CFP®, CIMA®
SENIOR VICE PRESIDENT–WE ALTH MANAGEMENT
WE ALTH MANAGEMENT ADVISOR
PORTFOLIO MANAGER, PIA PROGRAM
The Marton Bute Marcus Wealth Management Group is based in Boca Raton, Florida, but we
work with individuals and families from coast to coast, and visit the New York region regularly to
meet with clients and their families. We are deeply familiar with the wealth management issues
clients face. We work hard at both wealth management and strengthening relationships, and we are
gratified that a remarkable number of clients have been with us for years.
We are used to collaborating with other professional advisors, such as trust and estate attorneys
and certified public accountants, to build a highly structured wealth management strategy.
Communication is the centerpiece of our service model. Based on your needs, we will meet with
you to review investment performance and to share our views of the markets. We will organize
face-to-face meetings or video conferences to discuss your strategy, personal changes and the
investment landscape.
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Flexible Solutions for Helping You Manage Investments
Robert W. Marton, CFP®, CIMA®
S E N I O R V I C E P R E S I D E N T – W E A LT H M A N A G E M E N T
W E A LT H M A N A G E M E N T A D V I S O R
PORTFOLIO MANAGER, PIA PROGRAM
A founding member of The Marton Bute Marcus Wealth Management Group, Bob sets strategic
direction and works closely with the team to deliver wealth management services to clients.
Bob began his career in Ùnance in the mid1980s working on the trading Úoor of the .ew York
Mercantile %xchange .YM%8 and he joined Merrill ,ynch in 008. (e holds the C%RTIFI%$
FI.A.CIA, P,A..%RTM certiÙcation awarded by the CertiÙed Financial Planner Board of
3tandards, Inc., as well as the CertiÙed Investment Management Analyst® CIMA® designation.
A graduate of the 5niversity of Maryland, Bob has been a resident of Florida since 1993. (e
and his wife, ,isa, live in Boca Raton, Florida, with their three children at WoodÙeld Country
Club where Bob has previously served as president of the Board of $irectors. They are active
members of Temple Beth %l and also enjoy spending time at their home in White ,ake, located
in .ew Yorkas Catskill Mountains.
John C. Bute
VICE PRESIDENT
SENIOR FINANCIAL ADVISOR
John is chieÚy responsible for the organization of the team and the coordination of wealth
management strategies for clients. (e can call upon more than 0 years of Ùnancial services
experience as he helps clients to develop their investment and tax minimization strategies. John
began his career in 1986 as a Ùnancial analyst in .ew York City, then became a certiÙed public
accountant and managing partner of a public accounting practice, before returning to the investment
sector. (e joined Merrill ,ynch in 008. John earned a Bacheloras degree in Finance and Accounting
from 3tate 5niversity of .ew York at .ew Paltz. John, currently a nonpracticing CPA, resides in
Weston, Florida, with his wife, .ancy, and their two daughters. (e is a vice president of the Weston
Youth 3occer program. John does not provide tax advice in his role at Merrill ,ynch.
Chip C. Marcus, CFP®
VICE PRESIDENT
W E A LT H M A N A G E M E N T A D V I S O R
Chip has been in the Ùnancial services industry since 1998, and he joined Merrill ,ynch in 008.
(e works with clients on customized wealth management strategies and, in addition, focuses
on all investment strategy, analysis, and risk management activities of the Group. (e holds the
C%RTIFI%$ FI.A.CIA, P,A..%RTM certiÙcation awarded by the CertiÙed Financial Planner
Board of 3tandards, Inc. Chip currently lives in $elray Beach, Florida, with his wife, Regina, and
their two daughters, Gabriella and ,ia.
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Melinda +. Mc(ugh, CFP®
R E G I S T E R E D S E N I O R C L I E N T A S S O CI AT E
[email protected]
Melinda has worked in the Ùnancial services industry since 003, having joined Merrill ,ynch
in 008, and currently leads The Marton Bute Marcus Groupas administrative and operations
management. Melinda graduated magna cum laude from the 5niversity of ,ouisville with
a Bacheloras degree in Business Administration and earned her MBA at Florida Atlantic
5niversity in 007. She continued her studies and holds the C%RTIFI%$ FI.A.CIA, P,A..%RTM
certiÙcation awarded by the CertiÙed Financial Planner Board of Standards, Inc. Melinda and her
husband, Christopher, live in $eerÙeld Beach, Florida, with their two children, +ate and Miles.
Ashley S. Ferrentino
R E G I S T E R E D C L I E N T A S S O CI AT E
[email protected]
Ashley has worked in the Ùnancial services industry since 005 and provides a high level
of attentive client service. She joined Merrill ,ynch in 008. Ashley supports clients by
responding to their account inquiries and provides administrative support to the Ùnancial
advisors by processing new accounts, maintaining existing accounts, and transferring
securities, among other duties. She earned her Bacheloras degree from Florida Atlantic
5niversity, where she majored in Finance. Ashley lives in Ft. ,auderdale, Florida.
Your financial advisor can offer access to an experienced Bank of America Wealth
Management Banker who can assist you with strategic and personalized banking
guidance. Together, they can draw upon an expansive array of banking, credit and
other lending solutions designed to fit into your overall financial strategy and help
you to pursue your financial objectives.
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Call or e-mail us for further information.
The Marton Bute Marcus
Wealth Management Group
500 Town Center Circle
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Phone: 561.361.3456
Tower 1, Suite 101
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Boca Raton, F, 33496
www.fa.ml.com/martonbutemarcus
Robert W. Marton , CFP®, CIMA®
John C. Bute
Chip C. Marcus, CFP®
Senior Vice President–Wealth Management
Wealth Management Advisor
Portfolio Manager, PIA Program
Vice President
Senior Financial Advisor
Vice President
Wealth Management Advisor
[email protected]
[email protected]
[email protected]
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03/2014