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Singh & Associates

Merrill lynch

Singh & Associates

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Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work with you to develop a personalized financial approach designed to help you pursue what’s most important to you.

What are the things most important to you and your family?

Is your life about to change with the advent of wealth? 

What do you want from your wealth? Is it doing the job you intended?

When your business or personal life is at a crossroad, you may face important and unfamiliar financial decisions. The choices you make now can have a profound impact on the rest of your life and the legacy you want for your loved ones.

Singh & Associates is committed to helping you get from point A to point B. Using a formal process designed to weigh heavily on what is important to you and your family, we strive to help you use your wealth to see to the financial needs of the people and colleagues that are important to you.

Your financial life may already have many moving parts, and a major liquidity event can add to its scope and complexity. One of our goals is to take as much as we can off your shoulders and help you pare down and prioritize the actions you may need to take. We can help simplify complex concepts into terms that can be easier for you to understand. With the support of our team and our process, we can help your focus remain where it may be needed most – building consensus among your family members, your colleagues, and if appropriate, your investors.


We believe the individual, and not the individual’s wealth, drives wealth management. Our experience is that clients ultimately want to use their wealth to see to the present and future needs of other people. If we view your wealth from that perspective, your financial strategies will fall into place.
Our capabilities are expansive and one size doesn’t fit all. Our human approach helps us personalize and manage each relationship. We learn from you what your expectations are and then we design a customized program around that. This may include:

  • Defining the issues you want to talk about and how often
  • What we can plan for together and what you may want to do on your own
  • The extent to which we can integrate and offer access to the convenience of Bank of America banking services
  • The method we communicate with you and how often
  • Who will be your everyday contact
  • How quickly we may be able to respond to your various needs
    Our commitment is to follow through on your expectations for working together, to be transparent and not make commitments to you that can be difficult to keep. 


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 your financial approach 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 and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. 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.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.


Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

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 (“BofA Corp.”).

Client Digital Updates

Step-By-Step Instructions

It is important to us that our clients have step-by-step instructions in order to take full advantage of the tremendous amount of technology available to them. The various instructions listed below are designed to guide our clients in navigating our diverse online platform.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.


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.

Tom Singh

Forbes “Best-in-State Wealth Advisors”  2019 and 2021

Meet the Team

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.

Richard Keith Watkins

Richard Keith Watkins

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #652562

Ashli Hennington

Ashli Hennington

Wealth Management Banking Specialist


Michael Duffy

Michael Duffy

Wealth Strategist


Past Events

Market Outlook 2021: The gateway to the new frontier

April 21st, 2021|12:00 PM - 1:30 PM EST

This seminar has been designed to help you better understand:

•Our outlook on the economy, geopolitical dynamics and the potential impact on your portfolio in the coming year
•Factors you should be aware of, as they can impact your portfolio
•Specific thoughts on the core asset classes that comprise many investor portfolios
•And how we can work together to implement our best thinking in support of pursuing your goals

    Exclusive Virtual Cooking Class With Chef Josh Wraight, Regional Executive Chef for Bank of America with Compass One

    March 4th, 2021|5:30 PM - 6:30 PM EST

    Please join Merrill for an exclusive virtual cooking demo with Chef Josh Wraight, Josh’s passion for food came at an early age while working for his father’s catering company. Starting out as a chef manager and quickly moving his way up to Regional Executive Chef, Josh now oversees the culinary program for Bank of America locations and has been with Compass One for 13 years.  He has had the honor cooking for various influential people, including former President George Bush. In his spare time, Chef Josh donates his culinary talent to the American Culinary Federation and the Kansas City Barbecue Society.

    Please be our guest to cook alongside Chef Josh from the comfort of your own home.  Josh will lead guests through a healthy dinner, cooking pan seared chicken with lemon caper sauce and a celery apple salad. Please find the recipes, ingredients and prep list attached. We encourage guests to secure the ingredients in advance so they can cook along with Chef Wraight.  

      Whiskies of the World Private Tasting

      April 22nd, 2021|6:00 PM - 7:15 PM EST

      Please join us for a for an exciting whiskey tasting virtual event with Josh Gelfand,
      a recognized whiskey and spirits educator and mixologist.
      Prior to the event, all confirmed attendees will receive a kit containing 8 different
      varieties of whiskey. Josh will guide you through distilleries across the globe and will answer any questions at the end of the tasting experience.

      Virtual WebEx:
      Conference number and WebEx link details will be provided to confirmed attendees.
      Please RSVP your attendance to Maryann Eidson at 678.746.5789

        Your Financial Approach

        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.

        Planning for healthcare expenses now and in the future
        • Long-term Care Insurance3
        • Health Savings Account2
        • Disability Insurance3
        Upsizing, downsizing, remodeling or buying a vacation home
        • Home Loans2
        • Home Equity Lines of Credit2
        • Securities-Based Lending2
        • Credit Cards2
        Taking care of your family and other people in your life
        • Trust & Estate Planning Services4
        • Education Funding1
        • Insurance3
        Working in retirement, selling or starting a business
        • Bank of America Business Banking2
        • Exchange Funds1
        • Concentrated Stock Management1
        • Succession Planning1
        Spending your free time in meaningful ways
        • Credit Cards2
        • Securities-Based Lending2
        • Structured Lending2
        Volunteering, mentoring others and giving to charities
        • Donor-Advised Funds4
        • Private Foundations4
        • Charitable Trusts4
        Using your finances to bring it all together
        • Merrill 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

        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.

        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.


          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

            Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

            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.


            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.

            We get to know you and your family, your financial situation and what matters most to you.

            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.

            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.