We strive to understand the world you have today. And the one you want tomorrow.

At Ting & Associates, we have noticed that one of the most interesting things about working with affluent clients is this: the focus is seldom on counting dollars and cents. It's about what those dollars can do. The lifestyle they provide, the businesses they build, the opportunities they foster. Helping clients to make their choices takes insight, understanding and a long-term commitment to their point of view.

We believe that's why families who could take their resources anywhere consider choosing Ting & Associates for dedicated wealth management. We have a diverse and cosmopolitan clientele—entrepreneurs, entertainers, athletes, tech gurus, top executives, and leaders in real estate and agribusiness. We work with clients from Silicon Valley to Napa Valley, from Market Street to Wall Street, from our office to wherever your life takes you.

Ting & Associates can offer advice and guidance on different facets of your financial world—how you invest, your income and revenue streams, your businesses and property, retirement, and how you can build a foundation for generations that follow.

We are committed to being there to help you map your path, focus on your goals and invest with tomorrow in mind. No matter where you are on your journey, we are ready to guide you—every step of the way.

Managing Wealth

Wealth management based on your goals. Focused on you.

On the surface, it seems rather simple—manage assets and resources in pursuit of a goal. However, if you're like most of the clients we serve at Ting & Associates, you have a more complex array of objectives and agendas demanding your time, attention and wealth.

Our approach to goals-based wealth management seeks to tie together your entire financial outlook—income, expenses, investments, debt, business interests, real property—in one strategy. We start by:

Analyzing your current revenues, expenses and investment holdings
Considering your objectives for each area of your financial life—family, business, retirement and wealth transfer
Estimating the potential impact of taxes, inflation and market upheavals on your portfolio
Our intent is to give you a sharp, clear picture of how the elements of your financial life work in relation to each other and to develop an integrated strategy.

A generational approach to family wealth

Because we work with multiple generations and their diverse objectives and interests, we are accustomed to using our skills and experience to help clients balance wealth preservation and risk management with broad aspirations and far-reaching goals.

Investing by Design

Anyone can show you model portfolios. We can show you how to design your own.

From the moment you become a client, Ting & Associates gives you access to the worldwide investment insights and resources of Merrill Lynch Wealth Management. We can offer you access to new investment opportunities, global research, economic forecasts and the latest thinking on portfolio management.

As we seek to help you gain greater financial clarity about your investment outlook, our advice and guidance center on helping you design portfolios targeted to each of your objectives, taking into account your risk tolerance, liquidity needs and time horizons. Broadly, these portfolios are intended to pursue short-term, intermediate and long-term goals.

Everyday investments and accounts

We can recommend shorter-term investments and accounts for your cash and other liquid assets, and help you allocate income from your business and distributions from your other investment, trust or retirement accounts. We can help you manage these assets to maintain your lifestyle and day-to-day expenditures.

Your intermediate portfolio

For your intermediate-term objectives, we may suggest a well-diversified portfolio of equities, fixed-income instruments, mutual funds and alternative investments for certain qualified investors. Here we focus on helping to preserve your wealth from inflation, taxes and attrition.

Aspirational investments

We can offer investment advice and guidance on concentrated equity positions, stock options, business interests, real estate investments and alternative investments. Clients generally seek long-term growth through these holdings, and our advice and guidance are targeted to that objective.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

Our FAQs

Here are some questions we frequently ask. And no two clients give the same answer.

At Ting & Associates, we believe affluent clients need wealth management customized to their individual financial personalities. We often ask questions like these to help us understand your ideas and attitudes about your wealth. Many times, the answers uncover issues and interests that had never been articulated before.

"What do you most want to accomplish with your wealth?"

We ask because: We want you to hone in on your goals and crystalize your thinking around what you really want to do. How much do you need for the life you want now, when you retire and what kind of legacy do you want to leave?

"What are the motivations driving your goals?"

We ask because: While it's important to know what your objectives are, we believe it's just as important to know why you have them. By helping you understand the true drivers affecting your decisions, we can offer insightful guidance in line with your agreed upon wealth strategy and timetable.

"What are your major financial concerns?"

We ask because: We find that clients lose sleep over retirement, special health needs for themselves or loved ones, providing for the family in case of the unexpected, business succession and many other issues. Our team offers a candid environment where you can share these thoughts, and together we can formulate strategies to help meet these challenges.

"What has to happen to make you happy with your financial progress?"

We ask because: We know firsthand the importance of defining the objectives that most excite you on your journey through life. Our father embraced this kind of long-term thinking, and we're privileged to continue it with many of the children of his original clients.