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A liquidity event is generally defined as a sudden realization of substantial wealth through the sale of an illiquid asset (i.e., real estate, privately owned business, etc.) or by exercising stock options that were granted as part of an executive compensation plan. Liquidity events may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update essential estate planning documents. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.
We believe that the best financial strategy is the one that helps you pursue your goals and achieve financial freedom. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Our process is designed to deliver a customized, consistent experience to assist clients not only in asset diversification and wealth preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives.
Our team primarily assist clients that have received or is about to receive a substantial amount of monies from the following types of liquidity events:
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.
The most common question we receive is “how soon should i start planning for a liquidity event?” The answer is simple: The sooner the better. With liquidity events, time is your most valuable asset. The earlier you start planning what you want your life to look like afterward, the more opportunity you have to implement tax-efficient strategies that will allow you to maximize your hard earnings for the long term. Examples of some pre-event tax and estate planning techniques available include:
Regardless of whether you go through a rigorous planning process prior to a substantial liquidity event, it would still be prudent to pursue an equally rigorous, comprehensive post-liquidity-event planning process. This process will vary depending on your personal circumstances and the nature of the event. Nevertheless, there are several fundamental steps that must be considered following a liquidity event – even in the absence of pre-event planning, including:
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.
The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.
Senior Wealth Management Lending Officer, NMLS #1230607
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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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
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.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
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.
We will work to help you stay on track, regardless of what the markets are doing.