Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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.
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. We believe 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.
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.
Clients at various stages, in their lives, count on us to help them find ways to pursue their financial and life goals, including:
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.
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
Education and Plan Services2
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.
Wealth Management Banking Specialist
Wealth Management Lending Officer, NMLS #528964
Associate Insurance Specialist
Learn more about the highly engaging podcast series from Merrill Lynch
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.
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 you stay on track to 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 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
*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.
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 Wealth Management 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.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, 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.