The Miller Umbel Heeder Group

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Merrill Lynch

The Miller Umbel Heeder Group

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

The Miller Umbel Heeder Group

Welcome

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The Miller Umbel Heeder Group
is committed to offering a broad spectrum of financial services and wealth management advice and guidance to a select group of clients. With over 100 years of financial services experience combined, our dedicated team uses a personalized approach to mitigate risk and help clients achieve their goals.

Initially, we begin with a thorough understanding of each client's needs, concerns, and overall financial situation.

Ultimately, we develop customized strategies to coordinate and manage each client's financial affairs in the most tax efficient way.

What We Do

Over the years our wealth management team has evolved to incorporate a life cycle approach to investment and financial management. We address multiple areas including asset and liability management, diversified investments, trust and estate planning services, retirement income planning, and insurance. We coordinate access to Bank of America for personal banking (including lending services), as well as commercial banking (including treasury services, cash management and lending).

Client Benefits

The Miller Umbel Heeder Group:

  • Provides a goals based approach to Wealth Management.
  • Relieves clients from the challenges associated with structuring their wealth.
  • Creates customized strategies backed by Merrill Lynch’s global research.
  • Provides clients with vital and timely information and guidance.
  • Commits to consistent, proactive service to address clients’ financial needs.

Who We Work With – And For

  • Retirees and those approaching retirement
  • Corporate executives from public and privately held companies
  • Financial industry executives
  • Business owners
  • Physicians, attorneys and other professionals

Meet the Team

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.

Daniel Clayton Umbel

Daniel Clayton Umbel

Resident Director

912.351.2322
Jeffrey A Heeder

Jeffrey A Heeder

Financial Advisor

912.351.2308
Karl E Schiefer

Karl E Schiefer

Financial Advisor

912.351.2317
R Craig Miller

R Craig Miller

Senior Consultant

912.351.2313
Patrick  House

Patrick House

Registered Client Associate

912.351.2316
Casey  Roberts

Casey Roberts

Seasonal Client Associate

912.351.2318
Sandra  Downes

Sandra Downes

Client Associate

912.351.2351

Your Financial 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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

Staying on Track

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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

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

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Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*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.

Let’s Have a Conversation

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.

Why Merrill Lynch?

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.


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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 financial advisor.





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Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

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.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.