Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Merrill Lynch

The Pepperman Humphries Roche Abeger Gottlich Group

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Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.

The Pepperman Humphries Roche Abeger Gottlich Group


The advice and experience we bring helps you make important financial decisions

As financial advisors to affluent individuals, we've found it effective to use an open and straightforward approach that's sensitive to concerns about risk. We pride ourselves on understanding in detail what you value most in life—your family, business or legacy—and providing a disciplined approach to wealth management to help you maintain your lifestyle and pursue your financial goals.

Meet our team

We're a diverse team of collectively disciplined professionals, each with different backgrounds.


We help you with the big picture

We're a diverse team of collectively disciplined professionals, each with different backgrounds. We offer clients a well-rounded perspective on many key decisions that accompany the responsibilities of wealth.

We believe our disciplined wealth management process comes close to gauging an individual's true attitude toward risk. Helping you pursue what's important to you, as well as helping you with more common financial issues—such as how to fund a child's education or your own retirement—is what we are passionate about.


We share an intergenerational view with clients who want to see their wealth last beyond their lifetime

We follow a three-pronged approach designed to preserve your wealth.

  1. Asset Allocation, Including Rebalancing—We believe that asset allocation strategy is the first line of defense. This can be enhanced with regular rebalancing and adjusting for performance, as necessary.
  2. Discipline—In addition to our own performance reviews, we utilize the research and oversight capabilities of Merrill's professional due diligence group. By reviewing the strategy and approach of a prescreened universe of managers with you, we can help you make informed decisions.
  3. Expansive Investment Platform—Leveraging the intelligence provided by BofA Global Research, we can identify and screen many types of products and strategies from hundreds of available institutional and professional options.

*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.

Managing your portfolio with the Merrill Investment Advisory Program

You can delegate to us investment management responsibilities for your portfolios, meaning that Paul Pepperman and Chip Humphries have discretion over certain investment decisions surrounding your investment strategy. Once we have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, we will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. Granting us authority allows our team to respond to market changes, price volatility and global events with the ability to make adjustments, if needed, to help your portfolio stay on track to meet your goals.

In addition, Bank of America specialists are available to work with your other trusted advisors to provide estate planning services and help address philanthropic issues.

Some of the services we offer access to include:

  • Business recommendations1
  • Retirement strategies, including defined benefit plans and rollovers1
  • Concentrated stock strategies1
Through Bank of America, we also offer access to:
  • Cash management2
  • Home financing, credit and other lending opportunities2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
*You have choices about what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs, and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investments and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information, please contact your Merrill Financial Advisor.

  • Putting the needs of clients first is the responsibility and commitment of our entire team. We reach out regularly and try to anticipate needs so that we are not just being reactive to changes in their lives, needs or investment performance.Paul Pepperman, Senior Vice President, Senior Resident Director

Meet Our 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.

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.