The JBR Group

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Merrill lynch

The JBR Group

Wealth Management

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We firmly believe a customized, unified strategy is the premier method of attaining one's life-arching goals. And working together via a disciplined, collaborative relationship is tantamount to helping you achieve what matters most.

Please click on the photo below to learn more about our Team...brochure.jpg    

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Who We Work With—And For

The clients we serve deserve our highest esteem. They are diligent, smart people who have generated wealth in many different ways, yet share a common thread: a high degree of complexity in their financial lives. Our team offers advice and guidance across the spectrum of wealth management to high-net-worth individuals, affluent families, successful business enterprises and select nonprofit organizations.

Our list of clients includes, but is not limited to, senior executives of public and private companies, entrepreneurs, ranchers, former business/land owners who experienced substantial liquidity events and finance professionals, such as investment bankers and venture capitalists. Our business is national in scope. We are proud of our ability to maintain close, constructive relationships with people who live and work all over the country—coast to coast, border to border.

To those who would like to learn more about our wealth management philosophy, we invite your inquiry.

Our Philosophy and Commitment

Understanding and connecting with what makes you unique is how we form the foundations of our working relationships. These relationships are the catalyst for the customized financial advice, guidance and strategic thinking we offer.

We are committed to making a tangible difference in clients' financial lives. We strive to do this by positioning our team as a trusted source of information diagnostics that can have a direct impact on the quality and depth of the financial decisions you make.

To this end, we employ a goals-based wealth management process that is deeply rooted in behavioral finance to align financial decision making with behavioral inclinations, resulting in an investment journey that has a holistic approach to wealth management.

Experience, knowledge and high esteem for clients—these are the distinctive traits that we believe set us apart and will impact your client experience with us.

Our Wealth Management Discovery and Implementation Process

We follow a rigorous process of discovery and implementation, building on the Merrill Lynch wealth management process that begins with an initial discussion. This is a first chance for you to interview us, and for us to interview you. It is a listening opportunity so we can mutually formulate some thoughts about "fit," your needs and our strengths, and your financial objectives.

  • We will explain what you should expect from us in terms of professionalism, experiential advice, follow-through, organizational structure, client service and the important roles the team's two client associates play in relationship management.
  • We will probe your experiences with existing advisors to determine what has worked well, and not so well.
  • We will point out differentiators, such as our "agnostic" view of asset manager selection and due diligence protocols.
  • Prior to the meeting and when appropriate, we will endeavor to review SEC information about you (or your company) and other information that is publicly available. This allows us to ask more precise questions and make the most of your time with us.
We will then prepare a presentation of suggested strategies for your assets and develop supporting calculations to assist you in reviewing your options. After you select the investment strategy that you feel best suits your risk profile, time horizon, liquidity needs and aspirations, we guide you through an implementation protocol that includes selecting asset managers, reviewing due diligence notes on them and refining your strategic asset allocation. Periodically, we review your investments and apprise you of any need to adjust your holdings or any fresh opportunities for placement of your investment.

Expansive Wealth Management Capabilities

We believe our services are most valuable to clients with complex wealth management needs who are looking for insight beyond stock and bond recommendations. Our strength lies in using our experience and knowledge to synthesize strategies for complicated financial situations.

When addressing what's important to you and your family, as well as the legacy you intend to establish, consider these questions:

How can I establish wealth management strategies that fully realizes my intentions?

What level of sophistication and resources will I need in order to meet my goals?

What kind of philosophy, experience and commitment am I looking for in a professional relationship with a wealth management advisory team?

The JBR Group can help you formulate these answers, with investment products through Merrill Lynch and access to banking products through Bank of America.

ADVICE AND GUIDANCE
Goals-based wealth management process,
Education funding strategies, Extensive global research,
Investment personality assessment

RETIREMENT
Managing income in retirement, Managing 401(k) during job transition,
Planning for retirement, Health care expense planning,
Retirement income planning

BANKING
Everyday cash management, Savings products

SOLUTION FOR BUSINESS
Liquidity and cash management, Commercial loan financing,
Retirement solutions, Succession Planning

TRACKING PROGRESS
Asset information and measurement, Client review,
MyMerrill.com®, Statements, Wealth Outlook

CREDIT AND LENDING
Credit cards, Home financing,
Home equity financing, Securities-based lending

ESTATE GUIDANCE SERVICES
Charitable giving, Insurance and annuities,
Private family foundations, Trusts, Donor-advised funds

INVESTMENTS
Alternative investments, Concentrated stock services,
Equity and fixed-income strategies, Managed account programs,
Market-linked investments, Unit investment trusts, Closed-end funds
(some or all alternative investments may not be suitable for certain investors)

Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
Banking products are offered by Bank of America, N.A

Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Meet the Team

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.

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.