Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
At The Umbel Group, we have noticed that one of the most interesting things about working with affluent clients is this: the focus is seldom on counting dollars and cents. It's about what those dollars can do. The lifestyle they provide, the businesses they build, the opportunities they foster. Helping clients to make their choices takes insight, understanding and a long-term commitment to their point of view.
We believe that's why families who could take their resources anywhere consider choosing The Umbel Group for dedicated wealth management. Although based in Savannah, we work with clients from the Peach State to the Golden State, from River Street to Wall Street, from our office to wherever your life takes you. Whether you are still working, approaching retirement, or already retired – our team is qualified to help.
The Umbel Group can offer advice and guidance on different facets of your financial world—how you invest, your income and revenue streams, your businesses and property, retirement, and how you can build a foundation for generations that follow.
We are committed to being there to help you map your path, focus on your goals and invest with tomorrow in mind. No matter where you are on your journey, we are ready to guide you—every step of the way.
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.
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.
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 of their banking, investment, legal, tax, insurance, and personal goals to anyone 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.
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
YMCA of the Coastal Empire
Jenkins Boys and Girls Club
Rangers Lead the Way Fund
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Forbes “Best-in-State Wealth Advisors” 2019, 2020
Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
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 we can help you create a financial approach that reflects your personality. Only then can we 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.