Wealth management based on your goals. Focused on you.

On the surface, it seems rather simple — manage investments and resources in pursuit of a goal. However, if you're like most of the clients we serve, you have an array of goals. Often these goals are multi-faceted and complex, requiring the expertise of a number of specialists. When working with The Umbel Group, our clients benefit not only from the day to day advice and guidance that we provide.  They also benefit from an extensive team of Merrill specialists who are available for additional support and expertise. All working together with one focus – You.

 

• Analyzing your current income, expenses, and investment holdings
• Considering your objectives for each area of your financial life—family, business, retirement and wealth transfer
• Estimating the potential impact of taxes, inflation and market upheavals on your portfolio

Our intent is to give you a sharp, clear picture of how the elements of your financial life work in relation to each other and to develop an integrated strategy.

*Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Anyone can show you model portfolios. We tailor strategies with you in mind.

From the moment you become a client, The Umbel Group gives you access to the worldwide investment insights and resources of Merrill. We can offer you access to new investment opportunities, global research, economic forecasts and the latest thinking on portfolio management.

After we gain clarity about your goals and outlook, our advice and guidance center around tailoring portfolios targeted to each of your objectives.  We then take into account your risk tolerance, liquidity needs, and time horizons to create strategies based on the three fundamentals of investing: Asset Allocation, Diversification, and Rebalancing.  Broadly, your asset allocation is intended to pursue your short-term, intermediate, and long-term goals.

Everyday investments and accounts

We can recommend shorter-term investments and accounts for your cash and other liquid assets, and help you allocate income from your business and distributions from your other investment, trust or retirement accounts. We can help you manage these assets to maintain your lifestyle and day-to-day expenditures.

Your intermediate portfolio

For your intermediate-term objectives, we may suggest a well-diversified portfolio of equities, fixed-income instruments, mutual funds and alternative investments for certain qualified investors. Here we focus on helping to preserve your wealth from inflation, taxes and attrition.

Aspirational investments

We can offer investment advice and guidance on concentrated equity positions, stock options, business interests, real estate investments and alternative investments. Clients generally seek long-term growth through these holdings, and our advice and guidance are targeted to that objective.

*Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

*Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Merrill Financial Advisor.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. 

Here are some questions we frequently ask. And no two clients give the same answer.

At The Umbel Group, we believe affluent clients need wealth management customized to their individual financial personalities. We often ask questions like these to help us understand your ideas and attitudes about your wealth. Many times, the answers uncover issues and interests that had never been articulated before.  Our goal is to help you explore your life priorities so that we can better help. 



"What do you most want to accomplish with your wealth?"

We ask because: We want you to hone in on your goals and crystalize your thinking around what you really want to do. How much do you need for the life you want now, when you retire and what kind of legacy do you want to leave?

"What are the motivations driving your goals?"

We ask because: While it's important to know what your objectives are, we believe it's just as important to know why you have them. By helping you understand the true drivers affecting your decisions, we can offer insightful guidance in line with your agreed upon wealth strategy and timetable.

"What are your major financial concerns?"

We ask because: We find that clients lose sleep over retirement, special health needs for themselves or loved ones, providing for the family in case of the unexpected, business succession and many other issues. Our team offers a candid environment where you can share these thoughts, and together we can formulate strategies to help meet these challenges.

“Where do you get professional advice regarding your financial and investment decisions?

We ask because: Many clients didn't trust anyone enough to provide all personal information including their banking, investment, legal, tax, insurance, and personal goals before they met with us.  Some answer that they get advice from their CPA and others from their Attorney.  Our team helps you organize all aspects of your financial life and then coordinates with your existing professional partners to leverage the best thinking and create efficiencies.  You can benefit from this continuity of management and applied knowledge: the best of all worlds.

Community Involvement

Members from our team participate and are actively involved in supporting the following organizations:

Kiwanis Club of Skidaway

America’s Second Harvest of the Coastal Empire

Horizons

Union Mission

YMCA of the Coastal Empire

Jenkins Boys and Girls Club

Jaycees

Rangers Lead the Way Fund