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Stirrat, Hardt & Associates

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Merrill Lynch
Wealth Management

Your path to wealth is unique and is about a lot more than just investments. It’s about your family, your work, and your legacy. Stirrat, Hardt & Associates is devoted to helping you be purposeful with your wealth planning and your impact on the community. We start where you are and go where you want to be.

Inclusion, empathy, and respect are our core values. We are dedicated to serving our clients and our community. We believe in doing well by doing good.
Welcome

Our mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. We help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

Philosophy

We believe your unique goals should be at the center of all of your financial decisions and form the foundation of your financial strategy. Because significant wealth requires customized goals-based financial strategies, we believe in building lasting relationships with a limited number of clients, taking the time to understand your most important priorities for today, tomorrow and your long-term future. Our philosophy celebrates collaboration. Working with a team of specialists, we draw on the resources and insights of a global financial institution to create strategies that reflect your aspirations for yourself and current and future generations of your family. Finally, we believe that while significant wealth brings complex challenges, our experience, passion and perspectives can help you simplify your life.

Approach

We believe an effective approach to wealth management requires working closely with you to help identify and define your goals.

Our  job is to first understand what matters most to you. We will work together to create a financial approach that reflects your investment personality and is built around your life priorities.

Our approach is to help you pursue your goals by providing customized service and potential investment solutions. Whether you are focused on building, preserving or transferring wealth we are committed to helping you address your financial objectives at every stage of your life.

Impact Investing

Inclusion, empathy and respect are our core values. We believe that you can do well while doing good.

How can your dollar invested have an impact? Impact investing is investing for the potential to make a financial return as well as generate a measurable, beneficial social or environmental impact. Today, more and more people from all walks of life want to learn about how their money can be used to create social and environmental impact.

Impact investing allows us to expand the dialogue from, "What goals do you want to pursue for your life?" to include, "What goals do you want to achieve for the world around you?"

We know that structuring portfolios to help foster good corporate practices has enormous potential to change investments, lives and communities.

We at Stirrat, Hardt & Associates build deep relationships with our clients by talking with them about their goals and most importantly about their personal values. During these discussions, clients are increasingly articulating impact-oriented goals alongside their overall financial priorities and we can offer a broad range of impact investing opportunities, including custom portfolios, mutual funds, exchange-traded funds and Separately Managed Accounts to help clients pursue their goals. In particular, we can build portfolios in line with your religious beliefs, desire to support women & girls, environmental goals, or your personal values around social equality & inclusion.

Your investments can generate social and environmental impact alongside the potential for financial returns. Now ask yourself, “How do I want to be the change and is my wealth invested aligned with my purpose?”




*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

Focus On High-Net-Worth Individuals and Families

We’re fully versed in the many issues that affect wealth management. No matter what your short- and long-term goals may be, we’ll begin by getting to know you as we explore the following seven priorities together:

  • 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 and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together; defining your financial goals
We work closely with other professionals to help clients pursue their wealth management goals, drawing on the investment insights of Merrill and offering access to the banking convenience of Bank of America as we do so.

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.

Divorce

As someone going through divorce, you understand the significant changes that you have ahead of you. While this time presents many challenges, it can present many opportunities as well. Regardless of the state of divorce, we act as your guide and help you be purposeful & intentional with the impact that this change has on you and your family. Our "sensitive and sensible" approach will help you navigate the intricacy of the financial aspects at this time as we gain a full understanding of who you are as an investor and what you want to achieve for yourself, your family and your legacy. 

With a member of our team holding the Certified Divorce Financial Analyst professional designation aboard, we understand the complexities that comes with divorce and play a valuable role, serving as an integral member of your divorce team by working with you and with your attorney, mediator, therapist, tax professional, and more. We strive to get to know our clients on a personal level so we can offer boutique-like services and the resources of a global firm to create financial strategies specifically for their life and needs.

Professional Athletes & Entertainers

Congratulations! Your countless hours of hard work and personal sacrifices have paid off. Using the unique skills you developed along the way, you are now among an elite group of individuals who can practice their sport or craft as a paid athlete or entertainment professional. The physical and emotional skills that you used to build your career and create your wealth are very different from the financial skills that are needed to help preserve and grow it. Every financial decision you make today will affect you and your family’s future.

We recognize that you are a sports and entertainment “business enterprise.” Like a chief executive officer or president of a well-run company, you will need to delegate critical tasks to trusted individuals so that you can concentrate on other things — like winning the next game, writing the next song or rehearsing for the next performance

Just as your professional career has started, so has your wealth building journey. This means creating a wealth management strategy that will
allow you to live the life you have always wanted and pass wealth down to the heirs and charities of your choosing. We will help you
with these decisions by delivering cutting-edge wealth planning advice and financial strategies, helping to keep you on track as you focus on your profession and your future.

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Megan Stirrat

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.

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.

Daniel Orozco

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1200302

Sara Burns

Wealth Strategist

Merrill

Bryant Wolfson

Alternative Investments Sales Desk Specialist

Bank of America, N.A.

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.

    #DigitalMerrill

    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.



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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.

      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.