Wardein and Associates

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Merrill Lynch

Wardein and Associates

Wealth Management
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If we had only one principle to live by, it would be
"Always do the right thing."

Wardein and Associates

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Get to know us...

We are a family-oriented and family-run team. Gary Wardein and his daughter, Erin Wardein-Bethge, are advisors with Wardein & Associates. The team’s client support advocates, Christyn Lo and France Wang, are sisters who were born and raised in the Philippines and who both bring a wealth of life experience, caring and compassion that are the bedrock of our team.

If we had only one principle to live by, it would be “Always do the right thing.” Our shared values include integrity, fairness, loyalty and trust. Everyone on our team believes that strength of character, compassion and empathy must form the foundation of the relationships we build with the families that we work with. And, these values and beliefs will remain at the root of how we continue serving families in the future.

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The Why, The What, and The How

Collectively, the partners of Wardein & Associates have over 55 years of experience in addressing the most important and intimate needs of the families that we advise. To begin to understand how we guide families through our process is to learn about the “why, how, and what” we do:
 
Why do we do what we do?
The goal of each partner of Wardein & Associates, every day, is to make a profound and positive impact in your life and to guide you toward achieving the confidence about your finances that let you sleep well at night.

What do we do?
Wardein & Associates is a Wealth Management Advisory team. Working together, we aim to understand your life, and build a plan around it.

How do we do it?
We are committed to making sure that we learn what is most important and meaningful to you. We work with you so that you can create the picture that describes your life, captures your dreams, and allows you to continue to write the story of your family, establishing a legacy that will be remembered and carried on into the future.
 
 

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Approach

We begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, we start by listening to learn more about you.

Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can help customize the financial strategy we develop together.

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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 strategy.

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Wardein and Associates believe in supporting our community. As a family we love giving back to our community. Here’s what we have been up to this month:

"On June 26th, Erin and I had the opportunity to serve alongside of Junior Achievement in teaching Financial Literacy to 5th grade students of Kimbrough Elementary. Erin and I covered the following topics:  The Basics of Budgeting, Understanding Economics, Product Innovation, How to Apply for a Career, and How to Write a Resume.  In the beginning of the class, we asked the students “What would you do if you had a $100 today?”  We were blown away to hear their answers! A handful said they would give it to the homeless, some said they will give it to their parents so that they can pay rent or buy food, and others said they will take $50 to save and then spend the other $50.  We were so fortunate to be around students who were eager to learn and participate in expanding their knowledge about finance. I look forward to serving in this capacity again in the future."
 
- Christyn Lo

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  • Everyone on our team believes that strength of character, compassion and empathy must form the foundation of the relationships we build with the families that we work with."

Get To Know Us

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

Gary L Wardein

Gary L Wardein

Wealth Management Advisor

858.456.3659
Erin Wardein-Bethge

Erin Wardein-Bethge

Financial Advisor

858.587.4599
Christyn  Lo

Christyn Lo

Registered Senior Client Associate

858.587.4511
France  Wang

France Wang

Registered Client Associate

858.587.4529

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

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 strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

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

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

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

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.





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Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

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

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

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