Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Marian Lenz has long served a select number of affluent clients that, according to Marian, “deserve what many financial advisors do not provide – a highly personalized, planning-based approach designed to enhance client wealth, precisely how they want.”
On behalf of engineers, physicians, attorneys, successful business owners, corporate executives (many with restricted or concentrated stock and options), retirees, families of special needs children, and fellow alumni of Stanford University, Marian devotes significant time to helping clients “see around corners” to illuminate opportunities and challenges, for themselves and their families.
“With fewer clients, I dig deeper and help provide more value. During my discovery process, I help clients define their vision of a successful life, or what meaning they see in their wealth. Too often, money is earned by the first generation and lost by the third.” Say Marian. “That’s why I also help clients focus on intergenerational wealth transfer.”
Marian is proud to be realistic and holistic – suggesting emergency funds, reviewing changing health requirements, long-term care and other insurance, as part of overall risk management strategies. After a thorough analysis to quantify and identify alternative strategies, Marian helps clients create an investment plan. Using the research of Merrill Lynch analysts and carefully screened managers, Marian’s takes a strategic and dynamic investment approach to formulate tax-sensitive client portfolios that may include ETF’s, index-linked notes, mutual funds, annuities and separately managed accounts – based on a range of client preferences and other considerations.
“This is all about clients and the people and causes that matter to them – not just their money.” Marian points out. “My life goal is to make a positive difference. To allow for enduring satisfaction, I review each client’s situation periodically and can adjust their portfolio and action plan – as markets, the economy and client needs change. Positive client outcomes require guidance that’s proactive and professional.”
“It’s gratifying to bring clients my knowledge, experience, effort and energy. Some clients have concentrated stock and need to diversify their portfolio. Business owners may want input on an exit strategy. Others want to balance charitable giving with their desire to responsibly transfer wealth. Each client has a particular need and resides at a different stage of wealth. I relish the opportunity to introduce clients to the right specialists – for company retirement plans, trusts and insurance. In addition, we offer financing and banking, both personal and commercial, through Bank of America. N. A. It feels great to help clients anticipate, identify, prioritize and achieve their financial goals.”
A graduate from Stanford University, Marian earned a Bachelors degree in Economics with honors – in Science, Technology and Society. In 2000, Marian joined Merrill Lynch, giving her a first-hand view of a market downturn. From that experience, Marian has come to utilize a flexible portfolio strategy that responds to economic conditions, along with traditional asset allocation strategies.
Marian is a specially qualified Senior Portfolio Advisor who, in additional to providing traditional advice and guidance can draw from her experience to help clients pursue their objectives by building and managing custom investment strategies, selecting from a wide range of Merrill Lynch models portfolios and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Advisor may manage those strategies on a discretionary basis.
Marian also holds a Certified Investment Management Analyst (CIMA®) designation and is a CERTIFIED FINANCIAL PLANNER™ certificant (CFP®), a designation awarded by the Certified Financial Planner Board of Standards, Inc. Marian is a proud mother of two grown sons (one who might soon follow his mother’s advisory footsteps). Her favorite “out of the office moments” include running, lifting weights, yoga, and, especially, gardening. An avid traveler, Marian is progressing toward visiting the seven natural (and seven modern) wonders of the world.
I follow the deep-seated Merrill Lynch tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
Haas School of Business U C Berkeley
We along with your tax professional can help you understand how it might affect your investment strategy
Supported by the global resources of Merrill Lynch, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I 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.
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.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
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.
We will work to help you stay on track, regardless of what the markets are doing.