Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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Profile

Bret and his team can help with a broad range of financial services including but not limited to:
- Customized investment management services
- Retirement planning strategies
- Trust and estate planning strategies
- Wealth preservation & insurance planning strategies
- Liability management
- Strategies for concentrated equity positions
- Business & Retirement Plan strategies

Bret is a Senior Vice President, and Senior Financial Advisor, who joined Banc of America Investment Services in 1995. He graduated from the University of West Florida, in 1986, with a Bachelor of Science in Accounting and a Minor in Finance. Prior to joining the Merrill team, he worked as a staff accountant with Delloitte Haskins & Sells, now Deloitte Touche, in public accounting, and as an insurance agent / investment advisor with Northwestern Mutual. Bret does not give tax advice in his current role at Merrill.

Bret’s experience enables him to understand his client’s individual, family and/or business needs and concerns and develop a long term strategy to help in achieving growth, preservation and transfer of assets. He believes this is best accomplished through the resources of Merrill and Bank of America and working closely with his client’s attorney and CPA. This is vital in helping the client maximize tax efficiency and secure financial stability.

Bret is a native of Pensacola. He and his wife Susan live in Pace and have two grown children. They are active members of their local church as well as active members of local civic organizations.





*Merrill, its affiliates, and Financial Advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

  • EDUCATION

    W J Woodham High School

    University of West Florida

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

Welcome

My mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. I help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. My wealth management approach is about using wealth to help turn goals into reality.

Philosophy

We live in a world that's constantly changing. Markets can fluctuate frequently. Potential investment opportunities can arise daily. Regulations are amended. That's why I believe that you and your situation are the best starting points from which to help plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because by understanding you and your priorities, I can more effectively offer my experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

Capabilities

My ability to provide access to the investment insights of Merrill and the banking convenience of Bank of America allows us to help you devise potential solutions designed to help preserve, grow and distribute your wealth. I strive to exceed client expectations through our proactive approach to communication, my attention to personalized service, and commitment to continuing financial education.

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

      I believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, work with you to identify potential solutions that address your needs, and clearly communicate them to you. I want to work with you to develop your wealth management approach for the future.

      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.