Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
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We are committed to understanding your values and what you want to accomplish with your assets. We believe that one-on-one conversations help us get to know who you are and what you and your family want for your lives and allow us to concentrate on helping you pursue your life goals and plan for your legacy.
Our team works with retirees, busy professionals, and families who have significant assets, but lack the time or inclination to focus on the many details involved in managing them. We simplify the complex aspects of their financial lives, providing them with personal attention and outstanding service. We provide a wide range of services including portfolio construction, discretionary portfolio management, asset allocation, tax minimization strategies, retirement income strategies, college planning, estate planning services, and wealth transfer strategies.
Combining my investing experience with the vast resources available at Merrill Lynch Wealth Management, we develop a strategy that is tailored specifically to each client’s unique needs and goals. We implement a plan and review every detail regularly to help make sure you stay on track and adjust to any changes in your life. Though each client’s situation is different, our overall goal is to preserve and grow your assets, minimize the effects of taxes and inflation, and avoid costly mistakes.
We hope you are all safe and sound during this strange time we are living in. Life has really changed in the past few months. It has been a big adjustment working from home, but thanks to technology we are able to continue business, although certainly not as usual! Please don’t hesitate to give us a call if you need anything or if you would just like to chat. Otherwise, read on to see a little bit about what we have been up to in our personal lives.
Focus on the things we are able to control. When it comes to investing, there are many things that are out of our control…the markets, interest rates and the Federal Reserve, tax rates, unexpected news stories, quarterly earnings (whether bad or good), talking heads on CNBC…and many more. On the other hand, we are in control of how we allocate our portfolio across different asset classes, sectors and investments, how much we save and spend, and how we behave during periods of market turmoil. We strongly believe that focusing specifically on these things is the way to get the best outcomes for our clients, and that is where we concentrate our efforts.
Get to know you, Plan and Prepare. We believe in having a detailed understanding of your goals so that we can create a strategy to get you there. Buying a new home. Paying for a college education. Retiring at the age you desire. Gifting to charities, children or grandchildren. There are many events in life that we plan on, and we have tools at Merrill Lynch Wealth Management that help us make sure you are on track to achieve them. Of course there are also unexpected events, so we believe in preparing for those events too with appropriate cash reserves or short term investments.
Be aware of fees and taxes and their impact on investment returns. Research shows that reducing fees is one of the best ways to improve investment returns. We believe in using low cost investments such as Exchange Traded Funds (ETFs), and we discuss fees with our clients so that they can truly understand what they pay directly as well as what their internal investment expenses are. We also use tax advantaged investments such as municipal bonds, and we work with your tax advisor to help make sure we are making the best recommendations in that area on your behalf.
1. Assessment and Review
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.
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.
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Bank of America, N.A.
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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.
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.
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.
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.
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
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.
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.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.