Investing: Where do I even start?

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Merrill lynch

SAS Wealth Management Group

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Merrill Lynch
Wealth Management

Our team is comprised of talented and experienced financial advisors who are committed to building strong relationships with you based on trust and one-on-one collaboration.


Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.


Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.


We believe the best financial approach is the one that helps you pursue your goals. That’s why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Mission Statement

With more than eight decades of collective experience, SAS is a multigenerational team dedicated to helping affluent individuals, families and institutions make informed decisions about their wealth management. Teamwork and collaboration are at the heart of our culture.

Today’s overabundance of financial products, technology and information can make managing investments on your own an overwhelming and time-consuming task. We strive to help our clients filter out the noise and remove emotions from the complex process so they can make smart decisions based on their goals and objectives. 

Our diverse and complementary skills and personalities helps us anticipate our clients’ needs so we can see their unique situations from various angles and viewpoints. Fostering relationships that span multiple generations, we have the resources to help address the financial needs that arise at each stage of our client’s lives. 

While many clients may have the same objectives, the path toward achieving their goals can be dramatically different. Our personalized approach addresses priorities and takes a client-centric, goals-based view as we develop their financial strategies. 

SAS was established with one idea in mind—to serve our clients with the kind of personal attention we believe they expect and deserve.

Meet The Team

With 60 years of combined experience, we develop customized wealth management strategies and recommend investment portfolios for affluent individuals, families and institutional clients. As a multigenerational team, we bring extensive experience, varied capabilities and advanced professional credentials to serving clients.

Blending our collective skills allows us to apply a broad knowledge base and different points of view when we collaborate to serve them at every stage of their financial life. Our diversity assists us in effectively communicating and building lasting relationships with every generation of their family.

Liz Schulman, one of the founding members of our team, is among a select number of Merrill Lynch advisors who hold the Bank of America Merrill Lynch Global Institutional Consultant title. Within this space, we focus on working with endowments, foundations, nonprofits and pension plans in Arizona and throughout the country. We can provide them with access to a broad spectrum of capabilities, including investment consulting and philanthropic and nonprofit management, as well as retirement and benefit planning services.

We offer affluent private clients and the organizations they support the same disciplined process and sophisticated wealth management strategies we utilize with institutional clients. Our process begins with conversations to discuss their goals and gain a clear understanding of their needs so we can help build strategies reflective of their values and beliefs. Ideally, we want to meet with any other family members they would like to involve in their decision-making process.

We strive to provide the highest degree of personalized attention and communicate with clients proactively. Committed to offering attentive, prompt and efficient service, our client associates support our team in all phases of relationship management. Our goal is to help reduce the complexity of clients’ finances so they can spend time doing what they enjoy most.

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.

Brad Frandsen

Wealth Strategies Advisor

Bank of America, N.A.

Mimi A Heese Rex

Wealth Management Banking Specialist


Jason Troilo

Regional Lending Specialist

Bank of America, N.A.

NMLS #1357339

Staying on Track

We understand that both your life and the financial markets can change over time. By 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.

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.

    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.


    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.


      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.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.