THE FISH GROUP

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Merrill Lynch

THE FISH GROUP

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The Fish Group is dedicated to helping people achieve their financial goals and believes every client is entitled to the highest level of personalized service and care. Leveraging the global resources of Merrill Lynch, we place you at the center of our proven Wealth Management Process as we work together to design goals-based financial strategies to help you reach the goals that matter most to you.

THE FISH GROUP

Welcome

We chose to be part of the financial services industry to help others. As witnesses to challenges faced by important people in our lives, we recognized the need for a professional and caring team to help others realize the life they want. Our purpose is to help others define their goals, establish a wealth management strategy centered on their priorities and then help them manage the inevitable changes in life. When you succeed, we succeed.

Our team brings shared ideas and resources to clients, offering a Goals-Based Wealth Management Process that puts you, rather than the market, at the center of the Wealth Management Process, which includes: 

Education: The Fish Group takes the time to provide clients with the information they need to make prudent decisions about their financial futures. Knowledgeable clients are empowered to stay     focused on their goals and less likely to be distracted and influenced by extraneous financial pundits and the media.

  Planning
: The Fish Group begins by helping clients articulate and prioritize their goals. They then work “backwards” to develop and implement a plan designed to increase the probability of achieving those goals.

  Investing: The Fish Group leverages the vast resources of Merrill Lynch, which include “best in class” research and due diligence, to help clients develop non-propriety portfolios customized to reflect both their goals and risk tolerances.
We believe that you should be fully involved in the Wealth Management Process. Instead of simply starting a client relationship with an investment-focused discussion, we begin with an assessment that helps us determine your investment personality. That information helps us identify and address individual goals that are personally meaningful to you. With a better understanding of how you feel about investing, we can help you decide how to make the most of your financial resources so you can pursue your specific goals.


*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. 

Philosophy

We believe that our experience and integrity, combined with our access to the broad investing resources of Merrill Lynch Wealth Management, form the cornerstone of client relationships and satisfaction. Our teams focus on clients is embedded in our following Value Statement: 

   Integrity: Maintain independence and do what is right for the Client

   Competence: Leverage our greater than 120 years of team experience & independence to deliver our capabilities through a repeatable industry best Wealth Management Practice    of: Education, Planning & Investments

   Empathy: It’s not just data.  We enable our Clients’ desire to fulfill their family’s wishes

No two people are alike. Consequently, there is no singular wealth management strategy or tactic that is appropriate for everyone. Leveraging our proven Wealth Management Process, we will get to know you, your priorities, your goals, risk tolerance, time horizons, liquidity needs and what you want to accomplish over time. Then we can help you position yourself to identify and address financial challenges and opportunities. To that end, we will thoughtfully employ our experience and resources to help guide you as you pursue your goals.

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.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

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.

Capabilities

Our process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. 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 others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.

Community Service

The Fish Group is actively involved in the communities we serve. We devote significant time, energy and resources to help create positive change. Our team is enthusiastically involved with organizations such as:

Alameda County Food Bank
Alzheimer’s Association
ARF Animal Rescue Foundation
Boys & Girls Club of Oakland
Contra Costa Food Bank
Cookies for Kids’ Cancer
Creative Growth
FIDF
Little Free Library
Muttville Senior Dog Rescue
National Parkinson’s Foundation
Oakland Museum of CA
Oakland Zoo
Susan G Komen 3-Day Walker

Meet the Team

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.

Douglas A Fish

Douglas A Fish

Wealth Management Advisor

510.267.8521
Jennifer  Fish

Jennifer Fish

Senior Financial Advisor

510.208.3871
Kate Pauline Holloway

Kate Pauline Holloway

Financial Advisor

510.267.8514
Nihn  Huang

Nihn Huang

Wealth Management Advisor

510.208.3872
Victor  Chan

Victor Chan

Registered Senior Client Associate

510.208.3807

Additional Resources

The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.

Isaac Keil

Isaac Keil

Insurance Associate Specialist

Samantha C Sylvester

Samantha C Sylvester

Trust Specialist

Eunice Hong McLaughlin

Eunice Hong McLaughlin

Wealth Management Lending Officer NMLS # 693054

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch 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.





Transcript of Video

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.