Robert Broncel - Financial Solutions Advisor - Merrill (2024)

Financial Solutions Advisor 655 US HIGHWAY 1, Iselin, NJ 08830

Learn more about this advisor's background on FINRA's BrokerCheck Opens a modal dialog. (BrokerCheck helps you research advisors and firms.)

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

Investing is about seeking to grow your money in order to pursue your goals. There's a variety of ways to invest, and several fundamental — and related — factors to keep in mind. It's also important to note that investing involves the risk of losing money.

Risk vs. reward

Over time, more aggressive investments like stock have generally brought higher returns — but with a greater chance of losing money.

The advantage of time

If you start investing at a young age, you may have more time to potentially grow your investments and a greater opportunity to ride out a market downturn.

Diversification

Putting your money in different types of investments can help manage risk.

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

Stocks: An ownership stake in a company.
Bonds: Money loaned to a company or government that agrees to pay you back.

Mutual funds

Professionally managed investments that pool money from a large number of investors to purchase a combination of stocks, bonds and /or other securities.

ETFs

Collections of securities that can be bought and sold throughout the day and can offer tax benefits, greater diversification and lower costs to investors.

Managed portfolios

Recommended investment strategies, with portfolios built, monitored and rebalanced by investment professionals.

There's no one-size-fits-all approach to investing. How you invest will be driven by your goals, time horizon, liquidity needs and risk tolerance. Here are some questions to ask yourself as you begin to think about investing.

What are you investing for?

A well-defined goal — like deciding how much you'll need in retirement — is the first step in determining what it might take to achieve your objective.

What is your time horizon?

If you're saving for a longer-term goal such as retirement, you may be able to be more aggressive than if you're saving for a shorter-term goal like a home purchase.

What are your liquidity needs?

It's essential to know how much cash you might need at a given point, and how easily you could convert an asset into cash without potentially incurring a loss.

What is your risk tolerance?

What amount of risk would you be comfortable taking in pursuit of potentially higher returns?

Investing is about seeking to grow your money in order to pursue your goals. There's a variety of ways to invest, and several fundamental — and related — factors to keep in mind. It's also important to note that investing involves the risk of losing money.

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.

There's no one-size-fits-all approach to investing. How you invest will be driven by your goals, time horizon, liquidity needs and risk tolerance. Here are some questions to ask yourself as you begin to think about investing.