Capabilities

My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On High-Net-Worth Individuals and Families

We’re fully versed in the many issues that affect wealth management. No matter what your short- and long-term goals may be, 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 and giving to charities
• Work: Working in retirement, selling or starting a business
• Finance: Bringing it all together; defining your financial goals

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill 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 approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will 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 approach.

Mission

My mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. I help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. My wealth management approach is about using wealth to help turn goals into reality.

Welcome & Value Proposition

W & Associates is driven to embrace your vision and support its success. Our role is to have a deep understanding of your financial lives, then bring a full range of wealth planning strategies and investments to help you accomplish your financial goals.

Your financial wellness comes from the absolute confidence that every member of W & Associates team shares a singular and overriding commitment to your financial well-being. With full intellectual honesty, we use disciplined and, often, innovative strategies that are customized to your specific needs, purpose and personalities. We create a road map to finding the most optimal financial outcome for each family; provide the appropriate solution to help achieve financial freedom using customized approach. Core product offering see below.

Past to Present/High-Level
· Tax efficient investments
· Helping business owners diversify wealth uncorrelated with their day to day business
· Educate clients about opportunities and risk, & how to make the best yet difficult decisions
· Spotting the real risks, possible blow-ups, that could hit a family’s finances
· Business owner pension and 401K experience
· Financial forecasts including Retirement & College Education Planning
· Single point of contact for investment and banking needs, with a team of people dedicated to you
· 10b5-1 experience (stock options/RSUs/ESPP)…Rule 144 (ISO and non-qual services)
· Gifting advice/experience

Present/Other
· Access to Dedicated banking resources through Bank of America - Mortgages, collateralized lines of credit, banking
· Custody and advisory for non fee assets (concentrated stock from company or inheritance or 401Ks)
· Work closely with client CPA and Estate attorneys
· Insurance Review and Services
· Online services - handholding to set up and customize (aggregation of all financial information on one site)

Future
· Educate family members (kids) on finances
· Personal Wealth Analysis including cash flow and budgeting

*Merrill Life Agency's California License Number 0522776