Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
At the Peters Group, we take a distinctive, multi-generational approach to wealth management. We expect you’ll find that it is different, more comprehensive, and more meaningful than what you may have found elsewhere.
With our strong and ongoing emphasis on planning, we help clients achieve what dollars and cents alone cannot – the emotional fulfillment of having solidified their wealth and feeling comfortable in its enduring benefits and financial security. Our multi-disciplined process lays the foundation for building these fundamental pillars of lasting financial stability. By doing our jobs well, we can help clients who work and play hard, rest easily.
Who do we serve?
Successful entrepreneurs and business owners, founders and senior-level corporate executives, and generations of affluent families in the New York metropolitan area, Phoenix and Scottsdale, Arizona.
What can you expect?
• We will not only leverage our financial and legal knowledge, but we will also call upon our extensive professional network – to create an advisory experience that helps you avoid common pitfalls while achieving your most cherished financial, business, philanthropic and estate planning goals.
• We will explain what real outcomes look like. Going beyond spreadsheets and simulations, we will illustrate alternate scenarios and discuss them with you. We are here to help you make wise decisions, not show you how much we know.
• When it comes to investments, we offer a consolidated view of assets informed by the estate planning strategy we create with you. Once your strategy is in place, we will help you understand the importance of being disciplined in following it.
Please note: Because the development of effective planning strategies is critical to our approach and your success, we devote an entire section to it, at left. We hope you’ll read it.
At the Peters Group, we believe that superior wealth management begins with a thorough evaluation of a client’s existing wealth structure, tax situation, and long-term financial needs.
As a planning focused advisory team founded by John-Michael Peters more than ten years ago, we have helped generations of clients define their meanings of wealth and preserve family legacies. While there are many aspects to estate planning strategies, we strive to simplify what can be complex and emotional decisions. Our team is equipped to provide a streamlined, positive experience – to relieve you of managing your assets and, especially, to give you the confidence that comes from the tax-efficient preservation and transfer of wealth.
We can help coordinate legal issues around all sorts of financial situations. In co-creating the architecture of a client’s estate strategy, we explain why choices are being made and who will be responsible for choices made down the road. Then, we work in concert with a client’s attorney or CPA – someone we consider as the conduit and responsible for implementation.
The recent addition of Adam Wood to our team has added significantly to our knowledge base and capabilities. Having spent ten years as an estate-planning attorney, Adam has formulated customized strategies for hundreds of clients and their families. Adam is admitted to practice law in New York State and while he does not practice law at Merrill nor does he provide legal advice, he uses his experience and knowledge to build a planning framework for each client – accounting for tax minimization considerations and other factors as they can affect the longevity and stability of a family’s wealth.
Our long-held belief is that planning is a process, not an event, and certainly not a document. Recognizing that clients can make vastly improved decisions in an environment they understand, we educate and encourage their values-based decisions. Everything we do is based on a client’s values, which change far less often than their goals. The quality and longevity of our client relationships remind us of the roles we play and the trust we’ve earned.
At the Peters Group, our estate planning strategies are, quite simply, the core of everything we do. For this reason, we maintain a watchful eye on a client’s tax consequences – not only at “tax time” – but throughout the year. This ongoing focus can help uncover and correct tax inefficiencies quickly.
Given John-Michael’s high level of tax awareness – and Adam’s previous experience as an estate-planning attorney – we have a natural affinity for identifying, optimizing and maintaining tax efficiencies for clients, on a continuous basis.
As we begin working with a client, one of our initial tasks is examining their portfolio and working diligently to fully understand the taxation of individual holdings. Once we fully appreciate a client’s long-term goals – for retirement, wealth transfer, business succession, and/or charitable giving – we exercise “tax-diligence” in crafting a customized portfolio and making other recommendations, with a defined purpose that will anchor our discipline over time.
In addition to our individual skillsets, we have significant experience working collaboratively with CPAs and tax attorneys – directing their implementation of the strategies we’ve formulated. In coordinating with clients and their other trusted advisors, we find that aligning financial, tax minimization, and legal strategies can bring about countless benefits – the kind that span generations.
Of course, our efforts require an extra measure of time that many advisors do not expend. However, we strongly believe that clients deserve our very best and extended focus when positive and enduring results can be achieved.
At the Peters Group, we believe our job is not about managing a client’s money. It’s about managing a client’s decisions around money. While the first certainly unlocks value, our ability to successfully help manage and inform people’s financial decisions can unlock multiples of value –throughout their lives.
Here’s an example. If you could re-wind 20 or 30 years of investing and create a highlight reel, you might see ten major long-term decisions that affected your assets while reflecting your values and intentions.
Through intimate conversations with you – about your life and family – we can help you explore areas you deem important as well as those you may never have considered. Our objective is to help inform those critical decisions and, in turn, optimize your wealth, so that it helps you achieve a more complete set of fulfilling goals.
Having earned our stripes in the worlds of estate planning services and investing, we bring distinct knowledge and perspectives to each client relationship. In our quest to drive positive and wide-ranging financial outcomes, we are driven to help you build and preserve what we call “indestructible wealth.” As a result, you can be better positioned to achieve objectives that you deem meaningful – for you family, finances and business.
Commensurate with you becoming a better-informed client, we expect that you’ll enjoy a higher level of comfort. Regardless of how we design a portfolio, for example, your “sleep at night” factor is one of our key considerations. The simultaneous delivery of insight and empathy is a rare skill but – as a hallmark of our planning-based approach – it’s what you can expect and rightfully deserve.
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.
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.
Senior Wealth Management Lending Officer
Bank of America, N.A.
Wealth Management Banking Specialist
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We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
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 approach, our goal is to help you stay on track to achieve what's most important to you.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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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.
As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
Drawing from our experience and the best thinking of Merrill, together we will design an approach 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.