Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
419.259.1917
4908 Whiteford Rd
Toledo, OH 43623
Our goal is to help provide clients with financial well-being, allowing them to simplify and pursue “the rest of their lives”. That may include their business, career, family, or the passions of their life. Through serving the wealth management needs of a select group of families and closely held businesses, we dedicate ourselves to education, responsibility, and integrity in order to provide the quality of service and performance our clients need and deserve.
At The Happ Adam Darah Group, we take great pride in the generations of families we serve and our ability to bring them ongoing value. Given our history, it’s natural for us to view financial matters from a family perspective. In fact, we think of clients as “households” because that better reflects our approach.
To provide the depth and breadth of “family wealth” planning for each client, we strive to understand the situations and ambitions of all stakeholders. We may ask, “What do you want for your adult children and their kids? How have your parents’ values affected your outlook on spending and saving? Is there someone in your family who needs special consideration?”
Having worked so closely and for so long with clients, we’ve become their primary financial resource and act as sounding boards and confidants on a wide variety of topics. In addition to frequent discussions, we believe in educating clients – helping them understand a particular strategy, and what they own and why.
Measuring many of our client relationships in decades (not years), we’ve formed many friendships with clients and member of their families. At the foundation of those relationships is the insight and input we work exhaustively to gather. In serving families, we devote our efforts to helping ensure the continuity of thought and attentiveness that we believe client families deserve.
Having managed clients’ money and emotion amid the volatility of 1987, 2000, 2008, 2020 and 2022, we are proud that virtually all of those clients remain with us today. We believe that’s due in large part to our enlightened perspective on mitigating investment risk and helping clients prosper from new opportunities as they present themselves.
We feel good knowing that clients have built their livelihoods alongside ours and become our good friends. These strong connections inspire our best efforts.
Our team prides itself on the value we provide to clients. Taking many forms, that value reflects our ability to provide an extra measure of sophistication and service. Of course, addressing the financial demands and personal dynamics of entire families is never easy. But we believe the significant expenditure of time and effort is well worth the positive outcomes we’ve watched families enjoy.
At The Happ Adam Darah Group, we begin each client relationship with a desire to understand where they see themselves, where they want to go, and what they believe stands in their way.
We especially need to know about clients, as people. Perhaps their lives demand a distinct form of financial advice and attention (following a promotion, retirement, job loss, or a personal matter). Other times, they’ve simply reached a point where they lack the time or desire to manage their wealth alone.
To learn, we ask questions of clients – and listen to what they say (and may not say). “What are your dreams for yourself and your legacy? If you could spend more time doing three things today, what would they be? Let’s plan for that. What do you envision for retirement? What is the one thing that has you most worried?”
Many clients aren’t sure they’ll have enough money to enjoy a fulfilling retirement lifestyle. Others want to prepare their children for the responsibilities of managing wealth. Rather than make assumptions, we make time for friendly conversations at clients’ kitchen tables, offices, or our conference table.
From multiple discussions, we can appreciate a client’s perspective on the importance of money, and what role we should play. Understanding each client’s priorities and values is an ongoing pursuit. By digging deeper and talking often, we can craft fully customized financial strategies designed to achieve meaningful, real-world outcomes. We also help clients prepare for likely and unlikely circumstances. There are no shortcuts to what we do.
Put simply, our efforts can be only as successful as the clarity and depth of clients’ answers. That’s why our planning process is exhaustive and continues over time. The referrals we receive tell us we’re proficient in assisting clients whose financial needs are more common as well as those who complex financial lives demand a more nuanced, hands-on approach.
In addition to clients’ goals, we look for holes in their financial picture that may have been ignored previously – assets in multiple places, liabilities, and protective components that can help insulate client wealth (including long-term care, disability and other forms of insurance).
We also find that building strategic relationships with clients’ other advisors can help create solid blueprints for a superior wealth management experience. That’s why we look to align our tax-minimization and estate-planning strategies with clients’ CPAs and attorneys. At a minimum, we review clients’ wills and trust documents, and also try to send quarterly reports to their accountants at year-end.
Given our decades of experience, we rarely see situations we haven’t encountered. As seasoned and sensitive advisors, we strive to help clients make thoughtful, unhurried decisions and feel comfortable with the road ahead. In everything we do, we are dedicated to increasing the probability of a client’s financial success and emotional wellbeing.
At The Happ Adam Darah Group, we have spent four decades helping clients preserve and grow the assets they’ve worked hard to accumulate. The quality and longevity of these relationships remind us of the roles we play and the trust we’ve earned.
As our client, you can expect that we will:
We recognize that you can choose from among many advisory groups. We also recognize that our own diligence and performance can help you focus more squarely on your family and interests. We have families, too. Our job – our oath, in fact – is to do everything possible to help you enjoy the people and passions in your life.
*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
*Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. 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. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Supported by the global resources of Merrill, our group is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Wealth Management Lending Officer
Bank of America, N.A.
NMLS #563227
Wealth Strategies Advisor
Bank of America, N.A.
Wealth Management Banking Specialist
Merrill
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No question too big or moment too small
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The Power of the Right Advisor®
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