We take the time to listen and learn about the needs and goals of your institution and its employees – it’s these real-world insights that guide our strategies and personalized service.
Our purpose is simple, it’s to help make financial lives better — it’s who we are and what we do.
For our individual clients and their families, The Leeder Team begins every relationship with a conversation, helping you identify and prioritize which goals matter most to you, whether it's transferring wealth to the next generation, customizing financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed. Drawing upon behavioral finance, your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.
For our institutional clients, we work directly with CFOs, human resource and benefit professionals, company owners and employees. We provide knowledgeable high-touch service. From retirement plan creation to plan implementation and management, from investment and co-fiduciary services to employee education, we’re there every step of the journey toward better plan outcomes and brighter financial futures. We offer access to both Non-Discretionary ERISA 3(21) and Discretionary ERISA 3(38) fiduciary services. So as a plan sponsor, you can choose whether to retain or delegate investment discretion.
Our focus on Individuals and Families
The Leeder Team focuses on offering a comprehensive approach to managing wealth that begins with listening to a client’s needs and helping to ensure every strategy is grounded in understanding what each client wants to achieve. We provide access to the investment insights of Merrill and the banking convenience of Bank of America to help address the various aspects of clients’ financial lives. The Leeder Team is driven by our passion for delivering excellent service and helping clients pursue their goals.
The Leeder Team follows the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
The Leeder Team is fully versed in the many issues that affect wealth management. No matter what your short- and long-term goals may be, the Leeder Team begins 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
We work closely with other professionals to help clients pursue their wealth management goals, drawing on the investment insights of Merrill and offering access to the banking convenience of Bank of America.
As a team that has a Bank of America Merrill Lynch Wealth Management Retirement Accredited Financial Advisor (RAFA), The Leeder Team is one of a select group of Merrill advisors focused on defined contribution plans who can add value to your plan by:
Offering access to 3(21) and 3(28) fiduciary services
Helping you shape your investment strategies
Offering thoughtful advice without a proprietary investment requirement
Providing reporting and helping you understand results and measurements to assist you in managing your plan over time
Working with you to create a plan that is designed to drive employee engagement and positive participant behavior
Assisting in the delivery of employee financial wellness programs and education
Helping employees connect their life priorities with their finances to help them pursue what matters most to them.
Michael Leeder has been serving clients as a financial advisor for 15 years. He has the CERTIFIED FINANCIAL PLANNER (CFP) certification. He is also among a select group of Merrill advisors who have met the rigorous requirements to be a Retirement Accredited Financial Advisor.
Bradley Strutner joined Michael in 2016 to augment the team's ability to serve a growing number of families and companies.
For additional information about upcoming events, please visit https://fa.ml.com/california/san-francisco/michael_leeder/
The Leeder Wealth Management Group is supported by talented specialists who have experience working with institutions and share a strong commitment to guiding investment programs and strategic decision making.
Your role as a plan sponsor is more challenging than ever, and it’s not something to face alone. We bring the resources and thought leadership from Bank of America Corporation and its affiliates to bear in helping you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier. We can help you focus on the areas that may be helpful to plan success, including Fiduciary Advisory Services1 and Education and Plan Services appropriate for your plan.2
1 Fiduciary Advisory Services is an investment advisory service sponsored by Merrill Lynch. It will only be offered to defined contribution plans recordkept by Bank of America Merrill Lynch and plans recordkept by our Advisor Alliance providers. It is available for plans up to $500 million in plan assets. For more information on plan eligibility speak to your Merrill Lynch advisor.
2 Education and Plan Services are non-fiduciary services required for Advisor Alliance plans and optional for MLII plans.
3 The Merrill Lynch Fiduciary Advisory Services Client Agreement and the related fee schedule and the Merrill Lynch Fiduciary Advisory Services program Brochure and other disclosure documents include information about the program, including Merrill Lynch’s fiduciary responsibilities pursuant to ERISA section 3(21).
4 Merrill Lynch and its representatives [or advisors] will provide investment advice or recommendations solely on a nondiscretionary basis with regard to qualified retirement plans. All discretionary and investment decisions concerning qualified plans, including which investments to offer under a qualified plan and approval of the IPS, are to be made solely by the plan sponsor. Please see the Merrill Lynch Fiduciary Advisory Services program Brochure for additional information.
All our efforts revolve around helping your employees pursue their goals. With Bank of America Corporation’s long legacy of service excellence, we take a holistic approach to helping your employees connect their life priorities and financial priorities—in and beyond their benefit plans. By broadening our view to include an employee’s entire financial picture, both in and out of plan, we believe we can help your employees better manage and gain control of their finances.
1The Advice Access service uses a probabilistic approach to determine the likelihood that participants in the service may be able to achieve their stated goal and/or to identify a potential wealth outcome that could be realized. Additionally, the recommendations provided by Advice Access may include a higher level of investment risk than a participant may be personally comfortable with. Participants are strongly advised to consider their personal goals, overall risk tolerance, and retirement horizon before accepting any recommendations made by Advice Access. Participants should carefully review the explanation of the methodology used, including key assumptions and limitations, which is provided in the Advice Access disclosure statement. It can be obtained through Benefits OnLine® or through your representative.
IMPORTANT: The projections or other information shown in the Advice Access service regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.
Advice Access is an investment advisory program sponsored by Merrill Lynch. Merrill Lynch offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. All recommendations must be based on the suitability requirements of the client. Please refer to the Advice Access Brochure for information on the program including a description of the services and related fees.
Advice Access is only offered to defined contribution plans recordkept by Bank of America Merrill Lynch. For more information on plan eligibility speak to your Merrill Lynch advisor.
We understand the retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer. We offer the solutions your employees may need to help pursue their financial goals and maintain financial wellness. Our array of resources and expertise is designed to help meet your employees’ financial needs in ways that make sense for your company — strategically, operationally and financially. You and your employees will have a team of experienced and passionate advocates for financial wellness on your side. Our team will make your priorities their own so you can focus more on your business.
When you work with The Leeder Wealth Management Group, you benefit from the experience and knowledge we’ve gained from working with many institutions across the nation. We’ll bring all the latest thinking, insights and research from across Bank of America Corporation:
Bank of America Merrill Lynch Global Commercial Banking (GCB) provides a full range of commercial banking services to help your organization meet today’s challenges head-on and fuel sustainable growth. Specialists are committed to providing institutions like yours with banking solutions, including cash management and lending as well as investment solutions through Merrill Lynch. GCB offers institutions solutions to help increase cash flow, streamline benefits plans and expand geographically. GCB brings clients the full capabilities of Bank of America Corporation and its affiliates paired with local service.
Merrill Lynch Wealth Management (MLWM) provides access to market knowledge and financial experience. Merrill Lynch can help your organization make decisions that suit its needs and goals. Our education and insights can help your organization understand what’s driving today’s markets and tomorrow’s potential global opportunities. MLWM serves clients across the wealth spectrum, with personal advisor relationships that helps each individual investor plan for and pursue their unique financial goals.
“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.
We believe the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop strategies designed to help address your financial needs.
We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you.
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 help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment we can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.
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 strategy 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 give you a sense of the full assessment and help us provide you with additional insights and resources.
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.
You can’t feel good about your finances unless you know exactly where you are, where you want to go, and how much you may need to get there. We work with you to develop a customized financial strategy, drawing on the best thinking of our firm, to help you with your financial future. We will manage all aspects of your relationship, making it clear what you’re paying for and what you’re getting. As your life and the markets change, we will meet periodically to help make sure you’re on track in pursuing your goals and to adjust your strategy as needed for the journey ahead.