The Tonascia Kruse Theilade Group

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Meet Our Group

Supported by the global resources of Merrill, our group is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

The Tonascia, Kruse, Theilade group is a five person team of seasoned financial professionals dedicated to providing sound financial advice and guidance to affluent individuals and families in Northern California. The scope and diversity of our team puts us in the unique position to provide advice and recommendations. While we are large enough to fully utilize the global resources and capabilities of Merrill Lynch, we are also small enough to continue developing the deep relationships our clients expect and deserve.

Since 1984, our team has provided individualized advice and guidance to clients in need of:

- Wealth accumulation and gifting strategies
- Retirement income planning and cash flow analysis
- Wealth distribution and estate planning services
- Asset preservation
- Tax minimization strategies

Our Process

In our role as your wealth management advisor, we use a goals-based approach to help you articulate and prioritize your objectives. Once your goals are defined, we develop a plan aligned with your tolerance for risk, implement it, and regularly review and monitor your progress.

Our process begins with listening and asking questions to learn about you, your family, and your business and professional life. We will drill down to discover what matters the most to you. Our goal is to create a complete picture, so we can work together to establish a list of objectives, such as tax minimization, retirement income planning, funding education expenses, and passing wealth to the next generation.

Once we understand where you want to go, we will work together to create a plan to help you get there. We will help you build a strategy that incorporates your time horizon, risk tolerance, and liquidity needs, while setting realistic expectations about investment performance.

With a strategy in place, we then begin to make investment recommendations. We make our investment decisions with a great deal of thought and deliberation. Proposals are custom made on a client by client basis. To help us make these investment decisions, we use Bank of America Merrill Lynch Global Research as well as several outside sources. Our individualized screening process includes reviewing asset allocations, portfolio composition, and investment management. We will develop a relationship with your outside tax advisor, attorney, and other professionals you count on.  



*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 research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. 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.

 

Wealth Allocation Philosophy

In order to help a client reach their goals, we believe it is necessary to isolate the asset allocation question by dividing each of these goals into three different segments: essential, important, and aspirational. All segments of the portfolio take into account every clients own time horizon, liquidity needs, and risk tolerance.

Essential

The essential segment of a client’s portfolio focuses on their lifestyle capital needs. This portion includes essential needs such as putting children through college, paying a mortgage, covering healthcare costs, and maintaining a lifestyle in retirement. In general, this portion is designed to help lower risk, preserve assets, and provide reliable cash flow to clients. We believe in using a conservative approach, such as investing in bonds or municipals, when allocating for a client’s most essential needs.

Important

The important segment of a client’s portfolio focuses on needs that are critical, but have a bit more flexibility in when or how they are paid for. Typically, the goal of this portion of the portfolio is to use equity to grow a client’s assets. Diversification is the key when making portfolio recommendations. In our view, it is the most effective way to grow a portfolio. We may recommend money managers and individual securities to help a client reach their important goals.

Aspirational

The aspirational segment of a client’s portfolio is used for wants instead of needs, such as purchasing a second home, or taking a trip around the world. This portion focuses on investing the assets that are left after all other capital needs of a client are met. Generally, the objective of this portion is to capture upside potential in the market by assuming higher risk.

Summation

Managing wealth requires integrity, talent, experience, and access to a broad range of resources. We offer advice and a full range of investment services, including the flexibility to manage portfolios with your input or manage for you on a discretionary basis. The Tonascia, Kruse, Theilade Group has an open and flexible structure. In order to best serve you, we rely on the insight and knowledge of our entire group. Although you have a main contact, any of us can assist you when you call with a question or request.

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to 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.

    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 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

      *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. Merrill Lynch Wealth Management 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 Wealth Management 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 Wealth Management Advisor.

      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, 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.