Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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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.
We believe that the best financial strategy 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. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth on to future generations? With access to the investing insights of Merrill Lynch and the banking convenience of Bank of America, we will work with you to develop strategies that are designed to address your priorities and financial needs.
We begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, we start by listening to learn more about you.
Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can help customize the financial strategy we develop together.
Drawing upon research in the field of behavioral finance, Merrill Lynch 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 strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me 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.
Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.
Our process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.
We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:
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.
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 an elite 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 monitor 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
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, trust and fiduciary services from U.S. Trust, 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.