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Lathrop Helmers Wealth Management

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Lathrop Helmers Wealth Management

Wealth Management Group

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Merrill Lynch
Wealth Management

Bringing clients a tradition of sensitivity and authenticity – especially, when life’s transitions create financial and emotional challenges.

Lathrop Helmers Wealth Management

Welcome

Too often, people face their most critical financial challenges when they’re least able to think clearly and make informed decisions.

At Lathrop Helmers & Associates, we believe the true measure of a wealth advisory team is “being there” for clients with sensible, timely and caring financial advice and guidance – the kind that can spell the difference between a client feeling stuck and feeling optimistic.

Each of us – Philippe Lathrop and Julie Helmers – is not only a highly experienced and knowledgeable financial advisor. We see ourselves as “life advisors” with a proud track record of helping clients who encounter difficulties, and helping them prepare in advance, for likely (and unlikely) circumstances.

Over the years, we’ve honed a “hands-on, hands-held” approach in which frequent contact with clients (both spouses, whenever possible) has resulted in friendly and familial relationships. In addition, our ability to focus attentively on a client when their life is in motion has led to a growing, referred clientele – women and men recently widowed, divorced, changing jobs, and retired, along with members of their extended families.

Our clients are individuals whom we admire. Their successes are noteworthy professionally and for striving to assist people and causes around them. We invite you to join them – to discover how our distinct level of service can help you enhance a lifestyle, create a legacy, or simply move forward when small, unhurried steps can mean the world.

Our Caring Approach

At Lathrop Helmers & Associates, clients come to us for many reasons – at different stages of their lives. Some reach a point where they desire an extra measure of financial acumen and sophistication. Others face multiple financial decisions at emotional times, when they’re feeling overwhelmed.

For all clients, we help create “space and comfort” – so that they’re open to information and insights. To gain a genuine appreciation of a client’s situation, mindset and objectives – and those of their families – we ask questions. And we encourage clients to ask their own. These are questions we often hear:

• “When can I realistically retire and enjoy my current lifestyle – and what should I do beforehand?”
• “My kids deserve to share in my success. How can I help them, without making things too easy?”
• “Now that I’m divorced, can I still afford to travel and support my favorite charity?”
• “My practice is lucrative, but I’m not extravagant. How can I begin to enjoy my achievements now?”
• “How can I be tax-efficient in the short-term and still grow my assets long-term?”
• “How well are my family and our investments hedged from market volatility or loss of my income?”

With no two clients alike, it’s imperative that we spend time with each client. On a given day, we may help women re-establish credit, assist couples in their second marriages with investment aspects of pre-nuptial agreements, explain Social Security and Medicare benefits, and examine the need for wills, powers of attorneys, and other documents.

Over the years, we’ve even recommended trustworthy physicians and babysitters. We’re ready to help – clients deserve nothing less.

 

 

Assisting Entire Families

At Lathrop Helmers & Associates, we work diligently to cultivate relationships with clients and the people they love. By understanding a family’s dynamics, personal issues, and shared objectives, we can provide highly effective wealth management that satisfies desired lifestyles and legacies.

 To serve the best interests of clients and their families, we:

• Try to speak with as many family members as possible (given the opportunity) – to appreciate the goals and concerns of all stakeholders.

• Place a premium on educating spouses, grown children and elderly parents. We believe that clients should know what they own and why. They should also understand the strategy we’ve designed for them and their role in maintaining financial discipline.

 • Work with a limited number of clients – allowing us to dig deeper, speak frequently, and do more for individual family members.

• Remind clients that we care about them and robots simply cannot. We pride ourselves on being sensitive and patient – and helping clients make sensible, unhurried steps in moving forward.

 As our client, we expect you’ll discover our relentless consideration of the people and passions in your life. By rolling up our sleeves, opening our hearts, and communicating frequently with you, we can help you pass along wealth and wisdom – to future generations.

Risk Managed & More

At Lathrop Helmers & Associates, we’ve always operated under the premise that superior wealth management extends far beyond wise investing. For each client to truly achieve his or her financial goals (professionally and personally), we scrutinize distinct aspects of their financial picture. By optimizing key areas, we can help solidify a client’s wealth and brighten their outlook.

As proactive financial advisors, we look for ways to mitigate tax consequences in the short- and long term, efficiently transfer wealth to the next generation (with gifting and other estate planning strategies), improve liability management, and offer life transition planning – as part of each client’s overall strategy. We also believe it’s incumbent on us to introduce new opportunities that can benefit clients and alternative scenarios that can help minimize risk.

 With many clients in the midst of life-changing events or simply having busy schedules, we can help manage and streamline the efforts of their trusted advisors. To align strategies, we may coordinate with clients’ CPAs and attorneys. And to make sure “everyone is on the same page,” we often host meetings in our office – in some cases “prepping” an attorney to save clients the time and cost of doing so. We also provide clients with access to Bank of America, N.A. for residential and securities-based lending.

 When it comes to investing, we combine our decades of rigorous investment training with BofA Global Research. Our goal is to achieve what we call “inflation-plus” returns for clients, with minimal tax implications. We remind clients that diversification among asset classes and remaining disciplined in following an investment strategy are both hallmarks of achieving positive, long-term outcomes.




*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Allison Mulgrew

Allison Mulgrew

Trust Specialist

Bank of America, N.A.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.


    Monitoring changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    Wealth Management Your Way

    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


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      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.