Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
At Ting & Associates, we have noticed that one of the most interesting things about working with affluent clients is this: the focus is seldom on counting dollars and cents. It's about what those dollars can do. The lifestyle they provide, the businesses they build, the opportunities they foster. Helping clients to make their choices takes insight, understanding and a long-term commitment to their point of view.
We believe that's why families who could take their resources anywhere consider choosing Ting & Associates for dedicated wealth management. We have a diverse and cosmopolitan clientele—entrepreneurs, entertainers, athletes, tech gurus, top executives, and leaders in real estate and agribusiness. We work with clients from Silicon Valley to Napa Valley, from Market Street to Wall Street, from our office to wherever your life takes you.
Ting & Associates can offer advice and guidance on different facets of your financial world—how you invest, your income and revenue streams, your businesses and property, retirement, and how you can build a foundation for generations that follow.
We are committed to being there to help you map your path, focus on your goals and invest with tomorrow in mind. No matter where you are on your journey, we are ready to guide you—every step of the way.
Wealth management based on your goals. Focused on you.
On the surface, it seems rather simple—manage assets and resources in pursuit of a goal. However, if you're like most of the clients we serve at Ting & Associates, you have a more complex array of objectives and agendas demanding your time, attention and wealth.
Our approach to goals-based wealth management seeks to tie together your entire financial outlook—income, expenses, investments, debt, business interests, real property—in one strategy. We start by:
Analyzing your current revenues, expenses and investment holdings
Considering your objectives for each area of your financial life—family, business, retirement and wealth transfer
Estimating the potential impact of taxes, inflation and market upheavals on your portfolio
Our intent is to give you a sharp, clear picture of how the elements of your financial life work in relation to each other and to develop an integrated strategy.
A generational approach to family wealth
Because we work with multiple generations and their diverse objectives and interests, we are accustomed to using our skills and experience to help clients balance wealth preservation and risk management with broad aspirations and far-reaching goals.
Anyone can show you model portfolios. We can show you how to design your own.
From the moment you become a client, Ting & Associates gives you access to the worldwide investment insights and resources of Merrill Lynch. We can offer you access to new investment opportunities, global research, economic forecasts and the latest thinking on portfolio management.
As we seek to help you gain greater financial clarity about your investment outlook, our advice and guidance center on helping you design portfolios targeted to each of your objectives, taking into account your risk tolerance, liquidity needs and time horizons. Broadly, these portfolios are intended to pursue short-term, intermediate and long-term goals.
Everyday investments and accounts
We can recommend shorter-term investments and accounts for your cash and other liquid assets, and help you allocate income from your business and distributions from your other investment, trust or retirement accounts. We can help you manage these assets to maintain your lifestyle and day-to-day expenditures.
Your intermediate portfolio
For your intermediate-term objectives, we may suggest a well-diversified portfolio of equities, fixed-income instruments, mutual funds and alternative investments for certain qualified investors. Here we focus on helping to preserve your wealth from inflation, taxes and attrition.
We can offer investment advice and guidance on concentrated equity positions, stock options, business interests, real estate investments and alternative investments. Clients generally seek long-term growth through these holdings, and our advice and guidance are targeted to that objective.
Here are some questions we frequently ask. And no two clients give the same answer.
At Ting & Associates, we believe affluent clients need wealth management customized to their individual financial personalities. We often ask questions like these to help us understand your ideas and attitudes about your wealth. Many times, the answers uncover issues and interests that had never been articulated before.
"What do you most want to accomplish with your wealth?"
We ask because: We want you to hone in on your goals and crystalize your thinking around what you really want to do. How much do you need for the life you want now, when you retire and what kind of legacy do you want to leave?
"What are the motivations driving your goals?"
We ask because: While it's important to know what your objectives are, we believe it's just as important to know why you have them. By helping you understand the true drivers affecting your decisions, we can offer insightful guidance in line with your agreed upon wealth strategy and timetable.
"What are your major financial concerns?"
We ask because: We find that clients lose sleep over retirement, special health needs for themselves or loved ones, providing for the family in case of the unexpected, business succession and many other issues. Our team offers a candid environment where you can share these thoughts, and together we can formulate strategies to help meet these challenges.
"What has to happen to make you happy with your financial progress?"
We ask because: We know firsthand the importance of defining the objectives that most excite you on your journey through life. Our father embraced this kind of long-term thinking, and we're privileged to continue it with many of the children of his original clients.
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.
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.
Senior Wealth Management Lending Officer
We along with your tax professional can help you understand how it might affect your investment strategy
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, 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.
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.