Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
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Life is a series of challenges, both welcome and unexpected. The Friese-Phillips-Bock Group is committed to helping you meet financial challenges at every stage of life. Whether your focus is on retirement, funding an education for children or grandchildren, transitioning wealth to future generations, providing lifetime care for a family member with special needs – or all of the above – we can work with you to design thoughtful, objective strategies tailored to your individual goals.
We are an engaged, conscientious team with the personal and professional experience to address a wide range of wealth management needs. In addition, we have access to a deep pool of knowledge through an extensive network of Merrill trust, insurance, estate planning services, and other specialists. By combining their skills with our insights, we can help you chart a course and periodically adjust it to keep moving toward your financial goals.
The Friese-Phillips-Bock Group is committed to building relationships that last. We take a long-term view of wealth management, with the objective of guiding you through the cycle of wealth accumulation, preservation, and distribution.
Many of our client relationships extend deep into families, often encompassing multiple generations. We dedicate considerable time to meeting with you and other members of your extended family to learn what is most important to you, now and in the future. By understanding and working to anticipate your needs, we can recommend the wealth management strategies we believe are appropriate for your circumstances.
We are especially aware of the financial concerns of families caring for someone with special needs. As we deepen our relationships with families, however, we find that many clients are concerned about making their wealth last through future generations. Even if they do not have a loved one with a special need or disability, they may question whether some family members have the capabilities to be good stewards of wealth. We are sensitive to their concerns and can help develop strategies aimed at transitioning and preserving wealth in these situations.
Caring for a family member with a special need or disability presents complex financial challenges. The Friese-Phillips-Bock Group combines personal insight and empathy with professional experience to assist families in meeting these challenges.
Typically, families are especially concerned about making their wealth last so they can provide the care and services their loved one may require throughout his or her life. We help families establish realistic financial objectives for providing lifetime care. Then, we recommend strategies designed to help increase the likelihood of reaching those objectives.
At your discretion, we can coordinate with other family members and outside advisors (including legal, tax, and estate-planning professionals), as well as internal Merrill specialists, to help ensure that all the pieces of your strategy – such as guardianship for children with special needs – are in place and working together. We recognize that families with special needs often require nonfinancial services, and we can help you connect with additional resources, organizations, and support groups in the local community.
When a child, elder, or someone else close to you has special needs or disabilities, it can be difficult to focus on the rest of your family. Yet, it is important not to overlook their financial well-being. You may want to consider strategies for retirement income, estate planning services, insurance, and funding children’s or grandchildren’s college education. We can work with you to integrate special needs concerns into your broader wealth management approach.
The management of risk is central to our investment philosophy. We help clients determine the acceptable level of risk for any investment based on the desired level of growth expected. In general, we advise taking the least amount of risk required in pursuing your financial goals.
The amount of risk you can and should take in your investment portfolio will depend on your personal circumstances, risk temperament, liquidity needs, and time horizon. For example, the families of children with special needs will typically have a longer time horizon because they are looking beyond their own lifetimes to provide financial support for a loved one. Clients preparing for retirement may have a shorter time horizon, but they are also concerned about preserving the assets they have worked hard to accumulate.
The investment portfolio we help you to design will take into account your long-term goals, as well as liquidity and income needs and tax considerations, in addition to risk tolerance and time horizon. We believe that a diversified portfolio, actively managed and tracked over time, is the key to pursuing your investment goals.
For some clients seeking to reduce risk, we may recommend investing in sector-based index funds rather than individual stocks. These broadly diversified funds are structured to mimic the performance of specific indexes or benchmarks. They offer investors cost-efficient ways to invest across a number of market sectors or in specific sectors. In our view, these funds may help to mitigate market risk and respond to changes in the investment climate and economic environment.
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. Worried about managing 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? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop an approach designed to help address your financial needs.
We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.
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 help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.
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 give you a sense of the full assessment and help us provide you with additional insights and resources.
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.
Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.
We can offer advice and guidance designed to assist you in making investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We’ll start by getting to know you and how you feel about the following seven life priorities.:
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.
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Forbes “Best-in-State Wealth Advisors” 2018
Forbes/SHOOK “America’s Top Next-Generation Wealth Advisors” 2017 and 2018
Forbes/SHOOK “America’s Top Next-Generation Wealth Advisors” 2017 and 2018
Working Mother’s “Top Wealth Advisor Moms” 2020
Forbes’ “America’s Top Women Wealth Advisors” 2020
Supported by the global resources of Merrill, our group 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.
Wealth Management Banking Specialist
Bank of America, N.A.
Retail Sales Manager
Bank of America, N.A.
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.
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.