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The Rutledge Custodio Team

Private Wealth Advisors

3075 HANSEN WAY

PALO ALTO, CA 94304

866.832.2691

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About us

The Rutledge Custodio Team

Located in Palo Alto, the Rutledge Custodio Team provides wealth management strategies to a select number of ultra-high-net-worth clients. We are small by design. Our client outreach and customized services simply cannot be replicated on a mass scale. Clients come to us for three differentiating factors: our knowledge; our experience; and our desire to serve. We prize opportunities to create value in clients’ lives, from long-term strategy to day-to-day management. Clients know that we are relentless in our efforts to answer questions, anticipate issues, and resolve the complexities of significant wealth. Our client relationships are fostered over many years, giving us in-depth insight into the priorities and concerns that infuse a client’s perspective. We embed this knowledge into our approach, tailoring our offerings to a client’s personal, business, and philanthropic goals. We invite prospects to learn more about the ways that we can enhance their financial lives.

Positioned to Help at Critical Times

The clients we serve have engaged, full lives. Clients include entrepreneurs, business owners, C-suite executives, and affluent families. Typically, these clients have come to a crossroads in their wealth. They anticipate a liquidity event, are dealing with new-found wealth, or simply realize that they do not have the time or knowledge to handle the intricacies of affluence. We relish the opportunity to help clients at these critical times, laying out a deliberate and cohesive framework for successive years. Clients often come to us after benefitting from solid planning by external tax and legal advisors. However, they need help in moving beyond planning to implementation. We are particularly skilled in making that connection. We recognize that strategy is an essential underpinning of our work; however, we pair that foundation with deliberate follow-through.

Focused on Wealth Preservation

We recognize the importance of wealth preservation to long-term financial stability. Our investment outlook seeks to monitor down-side risk while pursuing controlled growth. Clients have worked hard to build their financial success; they look to us to preserve capital and promote the smooth transfer of resources to successive generations. We communicate regularly with clients, encouraging frequent contact that helps clients stay apprised of their overall financial situation.

Multi Disciplinary in Our Approach

True wealth management is multi-faceted. Rigorous investment management constitutes a pillar of our offerings—but it is not all that we do. We bring hands-on involvement in multiple disciplines, from liquidity event planning to wealth transfer; client education to philanthropy. We maintain that there is simply no substitute for experience. The issues we address are complex, nuanced, and often inter-dependent. We welcome the opportunity to create client value by applying our knowledge and skill. Our backgrounds in trust administration enable us to engage with a client’s external tax and legal advisors, directing our collective efforts from an informed vantage point. We not only marshal our own resources, but those of the Private Banking and Investment Group at Merrill Lynch, advancing client interests through services that are relevant and concrete.

Addressing the Needs of Significant Wealth

We look to be intensively involved in clients’ financial lives. We recognize the intersection of concurrent needs and multiple priorities:


  • Investment management
  • Liquidity event strategies
  • Concentrated and restricted stock management
  • Wealth transfer strategies
  • Hedging strategies
  • Access to family office services
  • Balance sheet and cash flow analysis
  • Lending though Bank of America, N.A.
  • Philanthropy
  • Meet the team

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    Theresa Rutledge CFP®

    Senior Vice President - Wealth Management

    Sr Resident Dir - Priv Wealth

    650.473.2065

    650.473.2065

    theresa_rutledge@ml.com

    Add to address book

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    Anthony Custodio CFA®

    Senior Vice President - Wealth Management

    Private Wealth Advisor

    650.473.2066

    650.473.2066

    anthony_custodio@ml.com

    Add to address book

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    Cynthia Cougoule

    Registered RD Assistant

    650.473.2067

    650.473.2067

    cynthia.cougoule@ml.com

    Read Bio


    Latest Thinking


    Back to overview

    Meet the team

    Theresa Rutledge CFP®

    Senior Vice President - Wealth Management

    Sr Resident Dir - Priv Wealth

    650.473.2065

    650.473.2065

    theresa_rutledge@ml.com

    Add to address book

    Read Bio

    Anthony Custodio CFA®

    Senior Vice President - Wealth Management

    Private Wealth Advisor

    650.473.2066

    650.473.2066

    anthony_custodio@ml.com

    Add to address book

    Read Bio

    Cynthia Cougoule

    Registered RD Assistant

    650.473.2067

    650.473.2067

    cynthia.cougoule@ml.com

    Read Bio