Teresa A Radzinski

Managing Director, Private Client Advisor

Institutional Client Advisor

Professional Profile

Teresa A. Radzinski is a Managing Director, Private Client Advisor with Bank of America Private Bank, in Ponte Vedra Beach, Florida. Teresa provides guidance to high net worth clients, helping them streamline their financial lives, evaluate their choices, navigate decisions, and deploy wealth more efficiently. She applies the acumen and discernment she has gained from more than 25 years in investment banking, and capital markets.

Teresa serves clients with an energy and intensity that underscores her deep-seated interest in their goals. She works with C-Suite Executives, Business Owners, Non-Profit Organizations as well as individuals and families throughout the United States. She prides herself on a robust and thorough approach that capitalizes on her problem-solving skills and relentless work ethic.

As the leader of a client’s team, Teresa directs intra-disciplinary offerings in fiduciary investment management, trust and estate planning services, credit and lending, family office services, and philanthropy. Teresa draws on her own knowledge of these areas, as well as the in-depth insight of Bank of America Private Bank specialists. Together, they devise tailored and cohesive responses to clients’ long-term goals, mindful of their short-term needs.

Prior to joining Bank of America Private Bank, Teresa was a Managing Director and CoHead of Financial Institutions Capital Markets & Financing at Merrill in New York, where she worked for 13 years. Previously, she held tenures with Donaldson, Lufkin, and Jenrette and Smith Barney, also in New York, where she focused on global capital markets. Teresa also spent 11 years with Bank of America, in Corporate Finance Banking. She began her financial services career in 1986 at Wells Fargo.

Teresa is active in her community as she serves as Trustee on five nonprofit boards, (i) Board Chairperson for the Lightner Museum, (ii) The Cummer Museum of Art and Gardens, (iii) Flagler College, (iv) CESC, Inc. / The Kearney Center, and (v) St. John’s Cultural Counsel.

Teresa earned her B.A. from University of St. Catherine and her M.B.A. in Finance and Management from the J. Mack Robinson College of Business at Georgia State University

Our Team

Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personal experience.

Note: These team members are a shared resource, involved in your wealth management plan as appropriate and are subject to change

Jennifer S Williams

Senior Trust Officer


Rushele (Shelley) L Baughman

Private Client Manager


Key Contacts

Melissa L Dillon

Private Bank Senior Associate


Let's Have A Conversation

We take the time to listen and learn about you and your family before creating strategies that aim to meet your needs, goals and best interests now and in the future


For more than 200 years, Bank of America Private Bank has helped clients navigate the complex challenges of managing significant wealth. We draw on the Private Bank’s personalized approach, as well as the resources of Bank of America, to help individuals and families, businesses, and institutions achieve their financial objectives. Whether you’re looking to preserve and share wealth, build philanthropic legacies or plan for future growth, our commitment is to make your goals our priority.

At Bank of America Private Bank, we take pride in our history and in serving our clients’ best interests. We also value the continual pursuit of innovation in a constantly transforming world. We apply this perspective to help our clients anticipate and respond to evolving markets, changing environments and the growing complexities of the financial landscape. Mindful of the past, our focus is on providing today’s clients with disciplined financial strategies and a bridge across generations.