Clark, Moss & Associates

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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.

Chad Clark

Chad Clark

Wealth Management Advisor

202.434.4707
Ed Moss

Ed Moss

Financial Advisor

202.659.6124
Nichole Urbano

Nichole Urbano

Registered Senior Client Associate

202.434.4715
Brendan  Dillon

Brendan Dillon

Seasonal Client Associate

Where do we begin? It starts with you.

At Merrill Lynch, 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

Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. We then help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals without unnecessary investment risk. Our wealth management approach is about using wealth to help turn goals into reality. When you succeed, we succeed.

We believe that wealth management is about more than investing; it's about helping you pursue your most important goals and aspirations. At the heart of our process is a disciplined approach to defining your financial vision.

We spend a significant amount of time talking with you to gain a full understanding of your life situation, financial resources, liquidity needs, risk tolerance, time horizon, concerns, objectives, and priorities. What we learn forms the basis for the investment strategies we propose. Our strategies are as dynamic as your life. We meet with you regularly to help ensure that the strategy is always in line with your evolving life, goals, and objectives.
We believe that wealth management is about more than investing; it's about helping you pursue your most important goals and aspirations. At the heart of our process is a disciplined approach to defining your financial vision.

We spend a significant amount of time talking with you to gain a full understanding of your life situation, financial resources, liquidity needs, risk tolerance, time horizon, concerns, objectives, and priorities. What we learn forms the basis for the investment strategies we propose. Our strategies are as dynamic as your life. We meet with you regularly to help ensure that the strategy is always in line with your evolving life, goals, and objectives.
Everything we do is grounded in delivering a consistent process and pleasant experience for clients. A typical engagement follows a four part process:

Discovery
- Defining and understanding your most important financial goals, values, and circumstances as well as how you've prepared to meet them thus far.

Plan Development
- Develop a customized strategy that helps you meet those objectives while avoiding unnecessary risk along the way.

Portfolio Management
- Build a personalized portfolio that takes into consideration your life circumstances, financial resources, liquidity needs, time horizon, risk tolerance, concerns, objectives, and priorities.

Ongoing Service Commitment
-
Your life and the markets are always evolving.  Whether in the board room, around your kitchen table, or using the latest technology, we spend time face to face with clients helping them monitor and adjust their strategy as they progress towards their goals.
Everything we do is grounded in delivering a consistent process and pleasant experience for clients. A typical engagement follows a four part process:

Discovery
- Defining and understanding your most important financial goals, values, and circumstances as well as how you've prepared to meet them thus far.

Plan Development
- Develop a customized strategy that helps you meet those objectives while avoiding unnecessary risk along the way.

Portfolio Management
- Build a personalized portfolio that takes into consideration your life circumstances, financial resources, liquidity needs, time horizon, risk tolerance, concerns, objectives, and priorities.

Ongoing Service Commitment
-
Your life and the markets are always evolving.  Whether in the board room, around your kitchen table, or using the latest technology, we spend time face to face with clients helping them monitor and adjust their strategy as they progress towards their goals.

It's our goal to help clients develop purposeful frameworks to deploy and transfer wealth effectively. Clients look to us for assistance in the following areas:

  • Wealth management planning and cash flow analysis
  • Tailored portfolio design
  • Concentrated and restricted stock strategies
  • Wealth transfer planning
  • Trust and estate planning services
  • Pre- and post-liquidity strategies
  • Philanthropic services
  • Access to custom lending through Bank of America, N.A.
  • Access to differentiated alternative asset classes


*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.

It's our goal to help clients develop purposeful frameworks to deploy and transfer wealth effectively. Clients look to us for assistance in the following areas:

  • Wealth management planning and cash flow analysis
  • Tailored portfolio design
  • Concentrated and restricted stock strategies
  • Wealth transfer planning
  • Trust and estate planning services
  • Pre- and post-liquidity strategies
  • Philanthropic services
  • Access to custom lending through Bank of America, N.A.
  • Access to differentiated alternative asset classes


*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.

Our experience helps us understand the unique dynamic of each client's circumstances, the intricacies of their financial life, and the core values and aspirations that inform their goals. Our typical clients include:

  • Corporate Executives
  • Entrepreneurs
  • Medical and Legal Professionals
  • High-Net-Worth Families
  • Foundations and Endowments
  • Philanthropy and Private Family Foundations
  • Corporate Retirement Plans

Our experience helps us understand the unique dynamic of each client's circumstances, the intricacies of their financial life, and the core values and aspirations that inform their goals. Our typical clients include:

  • Corporate Executives
  • Entrepreneurs
  • Medical and Legal Professionals
  • High-Net-Worth Families
  • Foundations and Endowments
  • Philanthropy and Private Family Foundations
  • Corporate Retirement Plans

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

There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs – a caring advisor who can leverage the investment insights of Merrill Lynch and access to the banking convenience of Bank of America to help clients face today’s financial and economic landscape. 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.





Transcript of Video

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.