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The Umbel Group

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The Umbel Group

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Merrill Lynch
Wealth Management

At The Umbel Group, every member of our team is dedicated to helping people achieve their financial goals. We believe every client is entitled to the highest level of personalized service and care. With the global resources of Merrill, we’ll place you at the center of the wealth management process as we work together to design a goals-based financial approach to help you reach the goals that matter most to you.
We strive to understand the world you have today. And the one you want tomorrow.


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.

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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.




*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.
*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.

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.

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Our approach to goals-based wealth management seeks to tie together your entire financial outlook — income, expenses, investments, debt, business interest, real property — in one strategy.

We start by:
  • 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
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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.

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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. 

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"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.

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

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Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Daniel C. Umbel

Forbes “Best-in-State Wealth Advisors”  2019, 2020

Meet the Team

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.

Your Financial Approach

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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

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.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic reviews to help you
stay on track

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.


    Monitoring changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    Wealth Management Your Way

    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

      Let’s Have a Conversation

      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.

      Why Merrill?

      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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      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

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

      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.

      Adjusting your investment approach as your life and the markets change.

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