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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 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 are 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 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 minimization and estate planning strategies 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, 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 Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Senior Wealth Management Lending Officer
Bank of America, N.A.
Bank of America, N.A.
Insurance Associate Specialist
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.