Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
- Insurance3
Howard L. Joe, Senior Vice President, has been a Financial Advisor and with Merrill Lynch Wealth Management since 1986. Howard comes from a Merrill family: his Mother was a Financial Advisor in Augusta, and his two younger sisters and their husbands were also Merrill Financial Advisors in Charlotte and Indianapolis. Howard previously served as nationwide Financial Advisor Coach and Trainer at Merrill’s Princeton Campus from 1990-2005. In his capacity as a national speaker, Howard traveled to every major Merrill branch in the country from 2002–2005. Howard has also been featured on both CNBC and NPR as well several other national publications.
During his career, Howard has trained and spoken to over 10,000 Merrill Financial Advisors. He was a former Complex Sales Manager for the North Atlanta Complex from 1995-2000. And currently is the Complex Sales Manager of the Merrill Buckhead Complex at the Pinnacle.
His focus is on developing strategies and advice for high-net-worth individuals, their families and their businesses to help them meet their short- and long-term financial goals.
Howard's approach to wealth management is consultative, objective and committed to excellence. First, he takes the time to listen to and review client financial situations, preferences and goals. Second, he offers recommendations for asset allocations designed to accurately reflect each client's income and growth expectations. And third, he follows up with discussions covering a wide range of opportunities, including investments, retirement, estate planning services and philanthropy.
Howard has attained the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc.
Additionally, he has earned the Chartered Retirement Planning Counselor designation.
English
University of Georgia
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Supported by the global resources of Merrill, my 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.
Retirement Specialist
Merrill Lynch
Senior Wealth Management Lending Officer
Bank of America, N.A.
NMLS #13085
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.
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.
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 approach, our goal is to help you stay on track to achieve what's most important to you.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I 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.
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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