Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
For over thirty-five years, we’ve been honored to work with high-net-worth individuals and families throughout Florida and across the country. During that time, we’ve developed deep personal connections with them and many of those relationships span multiple generations.
Whether you’re preparing for retirement, selling a business, going through a divorce, arranging to transfer wealth to your heirs or a charitable organization, or experiencing another life event, we’re dedicated to supporting you in navigating your multidimensional financial life to pursue your goals.
In order to better assist you, we work to stay at the forefront of the industry through pursuing ongoing learning and education requirements for our professional designations. Attending advanced planning and investment symposia help us stay abreast of the latest theories and most current technologies. We also participate in executive education programs held at top universities across the country to help us provide you with valuable insight on a wide range of wealth management and financial service topics.
Our overall philosophy is simple: Guiding you to make smarter, more informed, less emotional wealth management decisions to increase your likelihood of success and help to avoid costly mistakes.
Within this framework, our process begins by gaining a deep understanding of all aspects of your financial life by listening intently as you articulate your priorities and needs. With this knowledge and insight, we help you develop a customized wealth management strategy designed to pursue your most meaningful financial goals. Your strategy should also address your tolerance for volatility, or risk, given the vagaries of market performance and unpredictable economic and geopolitical events, as well as your cash flow needs and time horizon.
Working towards what you value most takes a coordinated effort and a clearly defined path. We believe it is vital to maintain discipline and a constancy of purpose throughout your investment endeavors. We help you stay focused on accomplishing milestones and put potentially sidetracking unimportant noise and misinformation into context.
With access to sophisticated technology tools, such as probabilistic modeling, we evaluate the information you provide to us and examine a variety of investment scenarios to help determine their impact on your ability to meet your objectives. These tools help us arrive at how you might best apportion or allocate your investments between stocks, bonds and other asset classes. Since asset allocation can be a key determinant of portfolio performance, the goal is to create a blend of investment classes in line with your risk tolerance to help you pursue your goals.
We strive to develop portfolios that are efficient and effective. While they are created from a vast universe of investments, the portfolios we construct tend to be concentrated in low-cost index funds tailored to your particular situation. To help your allocation remain aligned with your priorities and risk tolerance, we periodically rebalance the investments in your portfolio.
We’re committed to exemplary service, whether it’s the simple job of answering inquiries quickly, or a more complex responsibility of developing important wealth management strategies that reflect your needs and concerns. As a full-service group, we can be as involved in your financial world as you desire. We can help streamline your financial life by coordinating tasks and maintaining ongoing communication between your accountant, attorney and other professional advisors.
Over the years, we’ve encountered many types of markets and observed the reactions of many types of investors. The wisdom gained from these experiences has helped us formulate and adopt a number of tenets that encourage you to direct your attention to what you can control, and focus less on the uncontrollable factors of investing.
While they may seem simple, these principles can be difficult at times for investors to put into practice. Among the many principles we follow are:
Approach investing as a means to an end. You should understand why you’re investing and what tradeoffs are necessary to pursue your realistic, desired outcomes.
Investing is a long-term proposition. Overreacting to market volatility and making decisions based on fear or uncertainty can distract and even derail you from your goals. We consistently review your progress and encourage you to stay focused on your long-term goals and the value of your investments. We believe that can help you gain a greater chance that the expected return of your portfolio will be realized over the long run.
Avoid significant, irreparable mistakes. Having a well-defined approach to your financial decision-making process and remaining disciplined are crucial steps to avoiding potentially life-altering mistakes.
Asset allocation and subclass diversification are fundamental to success. The mix of assets you select for your portfolio has a significant impact on your portfolio’s risk and return. It should be determined by your strategy, which is shaped by your need, willingness and ability to take risk, as well as your liquidity requirements and time horizon.
Be cognizant of costs. As an investor, you should be aware of all of your investment fees and expenses because one element over which you have control is your costs. These expenses, along with any tax implications from your portfolio, play an important role in reaching your long-term goals.
Control emotions. It’s important to recognize that strong emotions, such as greed, fear and regret can produce powerful feelings and may skew your judgment. Emotional financial decisions should be avoided because they have the ability to help carefully constructed portfolios and well thought-out strategies quickly veer off course.
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.
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch 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.