The English Group

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Meet the Team

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.

Where do we begin? It starts with you.

At Merrill Lynch, 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

Welcome

At The English Group, we measure success by the tenure of our client relationships, the referrals that reflect our clients’ satisfaction, and our ability to be bring financial wisdom to retirees and those transitioning to retirement. Having served generations of client families, we’ve dedicated our efforts to enhancing each client’s financial and emotional wellbeing – what we call “financial wellness.”

Rather than count clients as individuals, we see them as high-net-worth and ultra-high-net-worth families residing on the west coast of Florida and in 20 other states. With our tradition of caring for clients – and looking out for their best interests – we now assist active and retired entrepreneurs, business owners, corporate executives, attorneys, physicians, widows, divorcees, and four generations of many families. 

In coordinating and advising on many aspects of clients’ financial lives, we provide managed investment services offered through the firm along with our own customized retirement, education, and cash management strategies. Additionally, we help clients focus on trust and wealth transfer issues and coordinate with their legal advisors to align estate-planning strategies.

When helpful, we also monitor clients’ credit card payments (especially when they travel) and connect them to specialists at Bank of America, N.A. for access to residential, automobile and securities-based lending, as well as commercial financing. Our promise? Regardless of a client’s financial challenge, we will find a solution within our firm.

On a personal note, we draw inspiration not only from clients who’ve created their own wealth, but also from their spouses, grown and growing children. It is particularly rewarding to educate “the next generation” – so that wise financial habits can contribute to lifetimes of financial fulfillment.

A Heritage of Client Care
At The English Group, we have a proud heritage of knowing clients exceedingly well. Not just what they’ve achieved financially, but what they envision personally. Beginning with Mark English, who founded the group in 1971, we’ve aimed to provide superior wealth management, which we define as a combination of financial acumen, care and empathy that creates value beyond what clients may expect.

Over the years, we’ve formed many friendships with clients. At the foundation of those relationships is the insight and input we work exhaustively to gather. “What are your plans for travel or visiting family? What are your hopes for your children? And what keeps clients up nights – fear of outliving your money, uncertain medical expenses, paying too much in taxes, or a family matter?

We also want to know what inspires clients – their passions, purpose and the people that make life a joy. To help clients make timely and thoughtful decisions – rather than hasty or emotional ones – we stay in contact and on top of the challenges they face. In addition to frequent discussions, we believe in educating clients at every opportunity – helping them understand a particular strategy, or on a more granular level, what they own and why.

As our client, we will remind you to contact us for any reason – if you have a financially related question or need a second opinion on a financial or life circumstance. We hope to build a relationship with you and your family that inspires your trust in having heartfelt discussions when dollars and cents may give way to personal circumstances. By doing our jobs well, we can bring you the perspective and time you need – to make informed decisions that are wise and unhurried.

Retiring With a Plan
At The English Group, we believe that our insights, knowledge and know-how contribute to our retired clients’ sense of financial independence and confidence. By recognizing each client’s situation, ambitions and family dynamics, we can bring clarity to clients and ourselves. Only then, can we help clients navigate a rewarding journey up to and through retirement.

For decades, we’ve been clients’ primary go-to resource – on retirement, legacy and longevity planning, and issues that revolve around aging, Social Security, Medicare and insurance. Rather than being reactive, we are proactive in helping clients “see around corners” – so that likely and unlikely circumstances won’t disrupt a thoughtfully constructed financial strategy.

Having worked so closely and for so long with a retired clientele – and couples about to retire – we’ve honed a planning-based approach in which regular conversations are critical. To provoke discussion, we ask open-ended questions about clients’ objectives for themselves and their children – what do they want to accomplish and eventually, where do they want their money to go.

It’s equally important to educate – to give clients a solid grasp of long-term-care insurance, rising medical costs, tax-efficient investment and distribution strategies, as well as estate planning strategies. In all cases, we help ensure that both spouses can freely express their comfort with investment risk and the lifestyles they envision.

We strongly believe we’re at our best serving clients who have – or are about to – retire on their terms. It feels good to help these hardworking individuals achieve goals that reflect their core values. From our involvement in their lives and integrity in serving their best interests, we’ve been introduced to new clients across the country. We welcome the opportunity to serve you, as well – and bring you the expertise and attention you may not have received previously. 

Our Family Focus
At The English Group, it’s natural for us to view financial matters from a family perspective. Thanks in part to our pedigree as a multi-generational group and enduring client relationships, we now serve two, three and four generations of families. In fact, we don’t refer to clients as such, we think of them as “families” or “households” because that better reflects our approach.

To provide the depth and breadth of “family wealth” planning that we believe each client deserves, we devote significant time to understanding the situations and ambitions of all stakeholders. From familial relationships with clients and open communications come strategies that include risk-managed investing, education and retirement planning, gifting, wealth transfer and more.
 
With our keen focus on estate planning services, we not only work closely with family patriarchs and matriarchs, but also with clients’ CPAs and attorneys. We often find it critical and convenient for clients that we invite “everyone to the table” so that we can coordinate our tax minimization and estate planning strategies with those of clients’ other advisors.

Today, with the “next generation” of our group (Adam English) nurturing relationships with client families he’s known for decades, we see that his age, stage and experiences align nicely with those of clients’ grown children. It is a tremendous source of pride to expand our role on behalf of clients who treat us like members of their families.

Your Financial Strategy

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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

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.

Staying on Track

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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*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.

Let’s Have a Conversation

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.

Why Merrill Lynch?

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.


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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 financial advisor.





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Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

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

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.

Adjusting your plan as your life and the markets change.

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