Bachman, Goldstein, Thornburg & Associates

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Merrill Lynch

Bachman, Goldstein, Thornburg & Associates

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At Bachman, Goldstein Thornburg & Associates, we strive to deliver the ultimate financial services experience to our clients.  We cultivate deep, multigenerational relationships by seeking to provide exceptional service, customized advice, and a disciplined approach to investing.

Bachman, Goldstein, Thornburg & Associates

Insight and Wisdom

You deserve a customized wealth management strategy that is powered by a broadly diversified investment portfolio. At Bachman, Goldstein, Thornburg & Associates, we are committed to building open relationships that determine, in large part, how successful we can be in meeting your service expectations and helping you chart an individualized investment approach.

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We believe the combined experience of our cohesive team is a significant advantage for you. As a client, you will receive personalized attention through a lead advisor relationship with one of us. But you will have the resources of our entire team, including six experienced financial advisors, focused on your accounts and strategies.

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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.

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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.

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A Process Focused on You

A wealth management strategy that addresses what is unique about you and your family is a key to building and sustaining wealth.

Wealth management is a methodical process that is carried out over months and years. It is dynamic and flexible so that your strategy — and your investment portfolio — can be adjusted to the changes that will inevitably occur in your life. We take a holistic approach that addresses your financial situation today and your financial life ahead.

We use the five-step Merrill Lynch wealth management process to help you set realistic goals, prioritize your objectives and develop strategies to pursue them.

Assess Situation.

We'll begin by gaining an understanding of you, your family and the context of your business and professional life, working with your demographic and financial information.

Articulate Needs and Goals.
We'll help identify concerns and define goals, keeping in mind time horizon, liquidity needs and risk tolerance.

Define and Refine Approach.
We'll help you determine what it will take to fund your goals and run 'what-if' scenarios, if necessary, to help refine them.

Implement Goals-Based Strategies.
We'll work with you to select the right mix of products for your situation to help pursue your goals.

Review Progress to Goals.
We'll meet with you to track progress, discuss life changes, and update your investment strategy as needed.


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 to potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing, we can help determine a financial strategy that supports what matters most to you. Our Investment Personality Assessment questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

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Building Your Investment Portfolio
Your investment portfolio, in terms of structure, allocations and projected risk, flows from your wealth management strategy and your own characteristics as an investor.

Our investment philosophy: We have a conservative bias in our investment approach. We see ourselves as preservers of wealth, rather than as high-risk, high-return managers. We believe that if we can help you manage downside risk and strive to minimize losses over time, the long-term returns from your portfolio could be more consistent.

Asset allocation. We strongly believe that, over significant time periods, asset allocation is the most important determinant of investment returns. We work with you to create a strategy to put your investment capital into a mix of global asset classes that reflect your risk tolerance, long-term financial goals, need for income and liquidity, time horizon and tax situation.

Risk. We feel that it's important to educate you about the many dimensions of investment risk. We will thoroughly assess your risk tolerance and experience as an investor and then recommend an asset allocation strategy that aligns with your profile.

Diversification. We recognize the value of diversification, within and among asset classes, to help mitigate short-term risk and smooth out the return pattern of your portfolio over the longer term.

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Extensive Services for Diverse Client Needs

The clients we work with are diverse in profession and in scope. We work with couples, families and accomplished women and men, including attorneys, medical professionals, corporate executives, entrepreneurs and business owners.

Over the years, and in response to the changing needs of clients, we have expanded the services and products that we can offer access to include:

  • Asset and liability management through Bank of America
  • Trust, philanthropic and charitable giving strategies through Bank of America
  • Wealth accumulation and asset preservation strategies
  • Portfolio management and oversight
  • Working with your outside advisors on Estate planning services, emphasizing tax minimization strategies
  • Wealth transfers and gifting strategies
  • Concentrated stock strategies
  • Detailed performance reporting and diagnostics
  • Retirement income and cash flow planning strategies
  • Qualified retirement plans for businesses and non-qualified deferred compensation plans
  • College savings plans
  • Insurance (life, long-term care, liability and disability)

Get To Know Us

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.

David L. Bachman

David L. Bachman

Wealth Management Advisor

805.381.2637
Nadia E. Goldstein

Nadia E. Goldstein

Senior Financial Advisor

805.381.2690
Danny B. Thornburg

Danny B. Thornburg

Senior Financial Advisor

805.381.2652
Matthew B. Herron

Matthew B. Herron

Financial Advisor

805.381.2607
Michael E. Herron

Michael E. Herron

Senior Consultant

805.381.1476
Jon S. Wilson

Jon S. Wilson

Wealth Management Advisor

801.629.5008
Jordan S. Swift

Jordan S. Swift

Analyst Relationship Management

805.381.2646
Mary E. Strong

Mary E. Strong

Registered Senior Client Associate

805.381.2699

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.

Robert V Clark

Robert V Clark

Wealth Management Lending Officer, NMLS #440892

Your Financial 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.

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.





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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.