Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
Located in multiple offices throughout the United States, we are a deeply experienced team dedicated to improving the long-term well-being of society’s most vulnerable: people with disabilities, elderly individuals with dementia, accident victims, and other special-needs populations by offering financial advice and guidance.
We are a dedicated group of financial advisors and client associates who work closely with other special-needs professionals and family members to improve the long-term well-being of individuals who are unable to care for themselves. Our work is more than a profession — it’s a passion. For decades we have focused on providing financial strategies to address the challenges and issues that you and your clients face.
We understand the implications of the Uniform Prudent Investment Act, various state Probate Codes, various state Rules of the Court and the National Guardianship Standards. We help professional advisors and family members institute investment standards through process-oriented investing that is well documented, regularly revisited, and clearly communicated.
Speak to us for a few minutes, and you may quickly perceive how we can help alleviate some key financial challenges that special-needs clients—and their support network—face. We have extensive experience collaborating with Private Professional Fiduciaries/Guardians, Corporate Trustees, Estate Planning Attorneys, and Personal Injury Attorneys.
We work closely with Private Professional Fiduciaries and Guardians to promote the long-term well-being of beneficiaries through process-based investing and committed service.
We are skilled in the following areas:
• Upholding the “prudent-investor” standard through rigorous wealth planning, a needs-based analysis that reflects the unique requirements of each client, and targeted risk levels and asset allocations based on those objectives, including risk tolerance, liquidity needs and time horizon.
• Documenting the processes for the deployment and diversification of client assets, as well as ongoing performance analysis through formal reviews.
• Developing tax-sensitive financial strategies, working in concert with your CPA, as appropriate.*
We help estate planning attorneys mediate conflicts among family members, drawing on our extensive knowledge of successor trusteeship and sub-trust issues.
Through customized financial strategies, we provide a rational process for balancing the needs of current and remainder beneficiaries, and promote the timely resolution of disputes among litigating parties.
We are skilled in the following areas:
We intimately understand the challenges and issues that families face in pursuing a more secure financial future for children, parents, siblings, or other loved ones.
We believe our strength in this area is demonstrated in the following ways:
How we can help:
The Special Needs Team, when appropriate, works with other advisors for specific clients' situations.
John Schoeppach, CFP®, CRPC, CPFA
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.
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.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
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.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.
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 AdvisorTM
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.
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