Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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Profile

Tim joined Merrill in 1999 and has seen how the entrepreneurial spirit in South Florida has helped benefit family businesses, professionals and the community. For many years, Tim has focused on franchised automotive dealerships, helping owners with investment management for their service contract assets and with family wealth planning. This experience has also helped him in his work with all types of businesses facing the challenges of succession, cash management, attracting and retaining skilled professionals, planning for retirement and creating a legacy in their community.

He believes the foundation of each client relationship is a customized financial approach that is easy for clients to follow. It can help them stay disciplined − even when the business climate, uncontrollable events or market volatility may make it tough to do so.

Tim believes that financial challenges and opportunities to create wealth can present themselves equally during good economic times as well as when downturns are experienced. By embracing digital technology in addition to traditional forms of communication, clients are encouraged to maintain a dialogue with the team. He believes it’s important for clients to feel they can reach out to him anytime about their concerns, as well as their aspirations, new business opportunities and family events that may have a financial impact. By striving to be direct and transparent in all client interactions, he and his team believe clients are better able to connect their actions with the pursuit of their goals.

Tim is a graduate of the University of Florida with a Bachelor’s degree in business administration and holds the CERTIFIED FINANCIAL PLANNER certification as well as the Chartered Retirement Planning Counselor and Chartered Retirement Plans Specialist designations. He and his wife raised two daughters in the Ft. Lauderdale area, and his eldest, Megan, joined Merrill in 2019, helping form The Kasper Group. Tim enjoys staying fit and fishing.

  • LANGUAGES

    English

  • EDUCATION

    University of Florida

Professional Staff

Supported by the global resources of Merrill, my 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.

Sameer Derashri

Wealth Strategist

Merrill

Alexander Londono

Employee Benefits Specialist

Bank of America, N.A.

Nicholas Karpinski

Investment Solutions Group Portfolio Strategist

Bank of America, N.A.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, 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

Approach

I 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, I 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 me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I 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.

Capabilities

My 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. My 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. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On Individuals, Families and Small Businesses

I 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. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I start by getting to know you and how you feel about the following seven life priorities.

  • 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

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.

Philosophy

We believe that the financial approach we can offer is designed for the challenges posed by managing wealth in today’s virtual world. With the vigorous support of our team and our disciplined process, we can design a customized program based on how you live your life.

  • You’ll have access to our team of professionals who are familiar with your financial situation, preferences and personality and are committed to being responsive to your needs and questions.
  • We believe that your financial approach should be easy for you to follow and incorporate flexibility to accommodate changes that may occur in your life and family.
  • Our passion and commitment to your goals can be seen in how we can help you and your family account for every dollar of your wealth and income.
Whether it is a data-driven conversation focusing on your progress toward your goals or understanding what you’re paying for and what you’re getting, you have our commitment to be transparent and straightforward.

Welcome

Are you an automotive dealer or high-net-worth individual with a goal to create long-term wealth?

Have you reviewed performance of your Vehicle Service Contract Investments?

Are your financial goals clear and being pursued vigorously and passionately?

When your business or personal life presents opportunity, you may need dedicated attention to help you understand and make unfamiliar financial decisions. The choices you or your business make now can have a profound impact on how you view your future and your ability to help address the needs of those you care about.

The Kasper Group is a multi-generational financial team that strives to help you create wealth by offering individualized strategies and tools that are intended to guide your financial approach for a lifetime. Our professionals offer a methodology and financial perspective for business owners, professionals and other aspiring individuals who have multiple goals they want to pursue simultaneously.

For franchise automotive dealers

We have been working with dealers since 2005 and have over 60 relationships nationwide. Our knowledge of dealer needs can help us assemble specialized services accessible through Merrill and the Dealer Financial Services unit of Bank of America.

We can assist in managing assets for your vehicle service contract companies and offer a full suite of services for your personal wealth. Through the Dealer Financial Services unit, we can help you access floor plan financing, commercial real estate lending and treasury management services. To help you grow your business they can offer a full range of commercial banking services, as well as retail loan financing.

For professionals, business owners and high net worth individuals and families

We can work with you upfront to review and analyze your financial situation and offer a personal evaluation and strategy to help target your needs. As your advisor, we’re committed to a disciplined approach to help you follow your financial strategy throughout your lifetime.

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.

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.

    #DigitalMerrill

    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can 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’s asset aggregation tool

      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 I can help you create a financial approach that reflects your personality. Only then can I 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.

      Why Merrill?

      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.


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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 Wealth Management Advisor.



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      Transcript of Video 

      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.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      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.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.