Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Merrill Lynch

ARH Wealth Management

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Merrill Lynch
Wealth Management


The goal of working with clients is simple; to provide you with personalized advice and corresponding strategies that help you achieve the goals in life that matter most to you and your family.

Welcome

Whether considering family, home, work, or retirement you have goals and concerns that are important to you. The value you place on your life priorities is matched by desire to work with an advisory team who listens, patiently, to what matters most to you; one capable of using this understanding to provide the guidance and direction needed to assist you in achieving the most out of life.
     The process begins with an understanding of your life priorities, risk tolerance, liquidity needs, financial resources, and goals.  It progresses to a personalized wealth management plan designed to help you achieve the best life for you and your family; a plan that maintains the flexibility needed to adapt to the inevitable changes that occur in life.
     It may be time for a new approach to the journey ahead – one based on what matters most to you and connects you with the advice, guidance and care you desire along the way. ARH Wealth Management can assist you along this path, providing the resources needed to help you connect to a better financial life. 


 

Philosophy

We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Approach

Every relationship begins 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.

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 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.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

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. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.

A Conservative Bias to Wealth Management

Preserving the assets you’ve worked so hard to earn is a key component to maintaining your wealth. Rather than chasing large returns, we seek to achieve consistent performance over the long term.
     Our approach to wealth management starts by mapping out your current financial position, and then helps you develop a foundation for preserving your assets. Our goal is to help you know where your money is, where it’s going and how to keep more of it working for you. 
     The strategies we recommend are driven by municipal bonds and focus on preserving, distributing and transferring your wealth to future generations. Based on our extensive experience in the municipal bond market, we believe these instruments can be an attractive way to diversify your portfolio, minimize your risk exposure and provide regular income. They are also tax efficient, since the interest they pay is exempt from federal and, in some cases, state and local income taxes.

Resources for Retirement Plan Sponsors

As an employer, you understand the importance that a well-designed retirement program can play in helping you attract and retain highly talented employees, make the most of your business assets and assist your employees with their retirement savings goals. 
     As a Retirement Benefits Consultant, Matthew Currie is a member of a select group of financial advisors with in-depth retirement and benefit plan knowledge and experience. Working in a consultative capacity with record keepers and third-party administrators, Matt and the ARH Group are uniquely qualified to help you: 

-Evaluate your business requirements and think through what you want your retirement plan to achieve
-Select plan type, fees, design and service providers
-Construct and track investment menus, create a review schedule for funds and offer investment recommendations for individual plan participants
-Understand your fiduciary responsibilities by providing resources and ongoing education and assisting with vendor benchmarking and record keeping
-Communicate with and educate your plan participants

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.

Joseph L Crews

Retirement Specialist

Bank of America, N.A.

Lauren Galvin

Wealth Strategies Advisor

Bank of America, N.A.

Tina Byrnes

Investment Solutions Group Portfolio Strategist

Bank of America, N.A.

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

      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.


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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.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.