McCullough & Associates

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McCullough & Associates

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Merrill Lynch
Wealth Management
Accessible, knowledgeable and experienced, we are committed to building and maintaining strong client relationships. We’re passionate about what we do and we bring that passion to helping every client make what may be the most important financial decisions of their lives.
Welcome

Among the reasons our team chose to be part of the financial services industry, is our desire to help others. This passion to help stems from our collective experience and the financial challenges that we, our friends or families, have experienced in the past. As witnesses to the challenges faced by important people in our lives, we recognized the need for a professional and caring team to help others realize the life they want. Our purpose is to help others define their goals, establish a wealth management strategy centered on their priorities and then help them to adjust their strategy, as needed, as the inevitable changes in life occur.

Philosophy

McCullough & Associates is committed to providing financial well being to our clients.  As your trusted advisors, we guide you through a process to preserve, grow and successfully transfer your wealth.  It all begins with a conversation. We want to know you, your children's names, how hard you worked to get where you are, how you define success and the goals you want to achieve.   

At the center of every relationship is you.  Our advice and guidance around investing is grounded in this understanding of you.  Our holistic approach includes Retirement Income Planning, Investment Guidance, Estate Coordination and Legacy Implementation, and Tax Planning Strategies.  We work together to prioritize your goals and understand your investment personality - risk tolerance, time horizon, liquidity needs, and investment objectives.  We partner with you to create and implement a customized financial strategy and service model, which addresses each of your unique concerns and goals one by one.  

Our practice is committed to full disclosure of all fees and material facts associated with any relationship, providing the best advice and guidance in your best interest.  We are confident that our team possesses all of the resources, experience to bring clarity, purpose and direction to even the most complex situation.  Our clients will benefit from our advice, access to the investment insights offered by Merrill, trust services from Bank of America Private Bank and the banking convenience of Bank of America.

When it comes to your success, there's only one financial strategy that really matters - yours.



*Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation.

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment we can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

How We Help Clients

Clients at various stages, in their lives, count on us to help them find ways to pursue their financial and life goals, including:

  • The retirement lifestyle they envision
  • Preparing for the costs associated with providing for the best education possible for children and grandchildren
  • Tax-aware wealth transfer to the next generations
  • Establishment of their legacy through family and philanthropy
  • Diversifying business interests
  • Coordinate banking needs- cash management, credit and lending, home equity and liquidity management, through Bank of America
  • Work with your other professionals-- attorneys, accountants and tax specialists
*Banking products and services provided by Bank of America, N.A.

Corporate Retirement Benefit Plans

We understand the retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer. We offer solutions that business owners and employees may need to help pursue their financial goals and maintain financial wellness.

Plan Sponsors
Whether your benefits offering includes a Profit Sharing Plan, 401k Plan, Defined Benefit Plan or Cash Balance Plan, working with McCullough & Associates means working with people who are truly dedicated to your success.  Our approach is simple, transparent and supported by industry-leading investment guidance.  Our team will make your priorities their own so you can focus more on your business.

Your role as a Plan Sponsor is more challenging than ever, and it’s not something to face alone.  We bring the resources and thought leadership from Merrill, a Bank of America Corporation, to help you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier in ways that make sense for your company – strategically, operationally and financially.  We can help you focus on the areas that may be helpful to plan success, including Fiduciary Advisory Services1 and Education and Plan Services2 appropriate for your plan.

Fiduciary Plan Services1

  • Merrill Lynch accepts ERISA 3(21) Fiduciary responsibility3 for investment advice and recommendations made in the best interest of your plan Investment Policy Statement and investment menu design based upon your plan goals and participant needs4
  • Comprehensive due diligence processes to identify appropriate investment opportunities
  • Proactive delivery – online and by your advisor – of in-depth investment performance reporting every quarter
  • Fiduciary Advisory Services report providing plan metrics and demographics, fund analysis and market trends

Education and Plan Services2
Plan Design

  • Review of plan demographics to help keep plan on track with objectives
  • Review of plan features and services for potential enhancements
  • Coordination and implementation of new plan features and services
  • Engagement in annual plan compliance testing

Employee Education

  • Communications strategy development
  • Coordination and presentation of enrollment meetings and retirement planning seminars
  • General financial, retirement and investment information
  • Asset allocation education and interactive investment materials

Relationship Management

  • Annual plan meetings and service reviews
  • Participation in committee meetings
  • Access to though leadership and relevant industry news and trends

1 Fiduciary Advisory Services is an investment advisory service sponsored by Merrill. It will only be offered to defined contribution plans recordkept by Bank of America Merrill Lynch and plans recordkept by our Advisor Alliance providers. It is available for plans up to $500 million in plan assets. For more information on plan eligibility speak to your Merrill advisor.

2 Education and Plan Services are non-fiduciary services required for Advisor Alliance plans and optional for MLII plans.

3 The Merrill Fiduciary Advisory Services Client Agreement and the related fee schedule and the Merrill Fiduciary Advisory Services program Brochure and other disclosure documents include information about the program, including Merrill's fiduciary responsibilities pursuant to ERISA section 3(21).

4 Merrill and its representatives [or advisors] will provide investment advice or recommendations solely on a nondiscretionary basis with regard to qualified retirement plans. All discretionary and investment decisions concerning qualified plans, including which investments to offer under a qualified plan and approval of the IPS, are to be made solely by the plan sponsor. Please see the Merrill Fiduciary Advisory Services program Brochure for additional information.

Get To Know Us

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.

Additional Resources

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.

Kimberly Lamb

Kimberly Lamb

Wealth Management Banking Specialist

Richard Featherston

Richard Featherston

Wealth Management Lending Officer, NMLS #528964

Matthew Eller

Matthew Eller

Associate Insurance Specialist

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to 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.

    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 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

    • 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'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. Merrill Lynch Wealth Management 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 Wealth Management 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 Wealth Management Advisor.

    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, 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.