Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
LTW Wealth Management Group
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Merrill Lynch
Wealth Management
Our mission is to help you identify needs you may not realize you have and provide you with the financial tools to create and maintain the lifestyle you desire. We work with busy, successful people across the country who need help managing their wealth, identifying key opportunities, and remedying any gaps they may encounter. Our goal is to help clients take care the financial tasks they may not have the time to pursue so they can concentrate on their business and personal interests.
LTW Wealth Management Group
LTW Wealth Management Group
In today’s increasingly complex global markets, the wisdom that comes from professional financial guidance is more essential than ever before. Many of our clients are busy, successful corporate employees who may not have the time to research, develop, and regularly review their financial strategy. At LTW Wealth Management, we take great satisfaction in helping them unwind complexity and bring order and meaning to their financial lives.
We believe our level of client service is a key differentiator of our practice. Over the years, our clients have become integral members of our professional family and we are deeply entrenched in their lives – from milestones and triumphs to difficulties and challenges. Through regular meetings and ongoing discussions, we stay apprised of changing conditions so that we can better respond to your needs. Our goal is to help you “answer your why” and uncover the true purpose behind your wealth.
To us, wealth management is about realizing personal and deeply held aspirations, such as a comfortable retirement income, college funding for children and grandchildren, ensuring financial security for successive generations, or support for a local charitable organization. Linking these human elements together is the basis for recommending the strategies we use to complement your goals. Whatever your priorities are, we can help you organize and simplify your financial life and build a personalized wealth plan that reflects your values.
Our entire team is dedicated to keeping you focused on where you want to go, advising you on how to get there, and continually reminding you of the importance of maintaining a disciplined approach to pursuing your goals. We work hard so that you can focus on the people and pursuits you value most.
Philosophy
We believe the best financial approach 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. Calculating how to manage 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? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, we will work with you to develop an approach designed to help address your financial needs.
Executive Needs
Many of the clients we serve have complex considerations surrounding a concentrated position of the companies where they work. At The LTW Group, we are well-versed to help manage complex compensation packages—including multiple accounts, company stock options, restricted stock, and nonqualified deferred compensation.
Working in concert with your external tax and legal advisors, we can develop a detailed understanding of the constraints and possibilities posed by your situation. We can then create diversification strategies designed to help mitigate the risk inherent in concentrated positions. These may include such elements as:
- 10b5-1 sales plans and execution
- Charitable giving
- Exchange traded funds
- Derivative overlays
- Hedging strategies
- Other tax-sensitive strategies that seek to minimize the risk of a concentrated position while working to enhance your portfolio liquidity.
Key decisions around the timing for exercising your options, diversification opportunities around restricted stock lapsing, how to complete the transaction, and whether to hold or sell your acquired shares should be considered carefully. We will be with you every step of the way to assist you with diversifying and monetizing your holdings as part of a total portfolio strategy.
Approach
Wealth Management is a dynamic process. As we focus on you today and help you identify your goals for tomorrow, we can strive to work together throughout life’s ups, downs, triumphs, and transitions. Helping you pursue your goals starts with getting to know you, your family and developing a plan. Our job is to understand what matters most to you. We will work together to create a financial strategy that reflects your investment personality and is built around your life priorities. We will be here to help you make adjustments to your plan if and when necessary over time.
Your approach to investing
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 approach 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 help us provide you with additional insights and resources.
Understanding your goals and priorities
Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.
Capabilities
Regarding your finances, it is important for you to know exactly where you are, where you want to go, and how much you may need to get there. We work together to develop a personalized financial strategy, providing access to the investment insights of Merrill and the banking convenience of Bank of America, to help you plan for your financial future. We provide transparency on potential risks and opportunities and what you’re paying for and what you’re getting. Understanding that life needs and market conditions can change, we will meet with you to help ensure your strategy stays on track in pursuing your goals and to adjust your approach as needed for the journey ahead.
Focus On Individuals, Families and Small Businesses
We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:
- 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 others and giving to charities
- Work: Working in retirement, selling or starting a business
- Finance: Bringing it all together and defining your financial goals
Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.
This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.
Recognition
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Elizabeth M Miller
Forbes "Top Women Wealth Advisors Best-in-State” 2022-2023
Published annually in February. Rankings based on data as of Sept 30 of prior year.
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2021-2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Forbes "America's Top Women Wealth Advisors" 2020-2021
Published annually Feb- April. Rankings based on data as of June 30 - September 30 of prior year.
Timothy Kyle Wilson
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2022-2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Cole Hogsett
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Meet Our Team
Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
Additional Resources
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Benjamin Reyes
Wealth Management Banking Specialist
Merrill
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Staying on Track
We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.
Reviews to help you
stay on track
We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.
Changes in your life
and to your goals
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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Let’s Have a Conversation
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
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Why Merrill?
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No question too big or moment too small
For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.
The Power of the Right Advisor®
Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.
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