Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
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 define clients as high net worth or ultra-high-net-worth, we see clients as distinct individuals and 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.
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.
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.
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.
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Forbes "Best-in-State Next Generation Wealth Advisors" in 2019
Forbes/SHOOK “America’s Top Next-Generation Wealth Advisors” 2018
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.
Alternative Investments Regional Specialist
Bank of America, N.A.
Bank of America, N.A.
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.
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