Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Michael Murphey Heard, CFP®, CRPC®,
Senior Vice President
Wealth Management Advisor
As a Wealth Management Advisor with Merrill Lynch Wealth Management, Michael, along with a team of specialists, work with a select group of families, business and non profits in developing and implementing strategies to manage their wealth.
After receiving a BBA from the University of Georgia in 1993, Michael returned to Macon to complete a MBA from Mercer University in 1994. He worked for several years in his family’s business before joining Merrill in 1996.
Michael works with individuals and business to define and work towards their financial goals. He recognizes that his ultimate responsibility to clients is to help them build a solid foundation on which to make their financial decisions with confidence.
He works with businesses and individuals through every step of their financial life cycle. Michael works with clients to develop a wealth management strategy, focusing on in-depth financial recommendations and a relationship that is built on trust. Michael has experience developing and implementing financial strategies that range from asset accumulation to efficient wealth transfer.
Grow, Preserve and Distribute Wealth
· Retirement Planning
· Retirement Income Distribution Planning
· Manage Investments and Cash Flow
· Trust and Estate Planning services working with family tax accountants and attorneys
· Tax Minimization Strategies
· Liability Management (loans and lending solutions through Bank of
· Asset Allocation and Diversification Management
· Insurance Coordination: Life, Disability, Long-Term Care, Liability
· Corporate Cash Management Recommendations
· Corporate Retirement Plans
Michael has several professional designations including the CFP® certification awarded by the Certified Financial Planning Board of Standards, Inc. and the Chartered Retirement Planning CounselorSM (CRPC®) designation.
Michael is a life long resident of Macon and has been active in the community serving on several non-profit boards. His personal interests include reading, and spending time outdoors running and cycling.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
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.
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.
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
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.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.