Are You Ready?

It is such a simple question, but sometimes the answers are not so simple.  With our Goals Based Wealth Management practice we utilize a holistic, dynamic approach to serving your goals no matter how big or small they may be.  We simplify the answers to your questions with our human touch (something that has been quite forgotten in this ever faster moving life), but we also have the scale of a global institution of Merrill and Bank of America should you require a depth of knowledge and capability beyond that of our caring local wealth management team.

Rest assured we have the local and global specialists and resources to help make certain You Are Ready!

Process

Our team works with YOU!

The Bielfield/Moskowits Group has extensive experience and knowledge in the financial disciplines that matter to clients. Our platform is built at the intersection of three distinctive services including:

1. Core Retirement Service - Are You Ready for Retirement?  How much money do you need to retire?  When can you realistically retire?  How much risk should you take?  Are you diversified? With our Merrill retirement outcome tools we analyze how likely you are to achieve and maintain your desired retirement lifestyle. Then we can recommend long-term strategies designed to help maximize the benefits of your retirement funding sources while potentially minimizing taxes.  After you retire, we can help develop strategies designed to generate income and assist you in monitoring your spending to help reduce your risk of outliving your resources and eroding your legacy.  We provide reports through a wealth outlook with retirement forecasting models to answer your question of Are You Ready?
 
2. Third party investment management consulting - Are Your Investments Ready? Drawing on a wide array of third-party providers, both within and beyond the bounds of the firm, we develop a "core" investment portfolio that targets your investment goals while taking into account your objectives, risk tolerance, liquidity needs and time horizon. Our team employs the keep it simple methodology by utilizing investments people understand and can relate to.  When you wake up in the morning the first thing most people do each day is brush their teeth or turn on their smartphone.  When you think about the companies you use each day of your life and the money you give to these companies whether powering your home through a utility, or putting gasoline in your car, or even the cup of coffee you might buy to start your day, our asset allocation and manager selection (the core of our strategy) typically includes larger, familiar companies that pay dividends, or managers and ETFs that contain higher quality companies with good dividend history.  While this is not the only strategy we utilize, it does serve as the largest cornerstone to preparing your investments to achieve your goals.  The most important concept is making sure Your Investments Are Ready to help you realize your goal.
 
3. Wealth transfer strategies and cash flow management - Are You Ready For Each Day? Working with Bank of America banking and trust and estate planning specialists and your attorneys and accountants, we can help you find strategies designed to help minimize estate taxes and other banking and trust planning strategies.  We tailor day to day banking services¹ including home financing, secure web based bill payment services and trust administration.  Whatever the income and spending strategy for each day is we have the access to banking and lending and trust services from Bank of America, N.A. to help you to Be Ready for Each Day!
 

1Banking products and services provided by Bank of America, N.A. 

Are You Ready?

Our success comes from our commitment to:

1. Listening to clients explain their needs
2. Devoting the time, energy, and access to Merrill and Bank of America resources to customize strategies to help meet clients' needs
3. Being available to answer questions or assist in times of crisis