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Maurer Group

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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.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Karl Maurer

The focus of the Maurer Group at Merrill is on the comfort and confidence of our clients, and delivering high quality financial services that are planning based, goals driven, and process oriented.

Our team has four core values:

1. The client’s best interests always come first 

2. We pursue excellence in everything we do

3. We behave honorably and honestly, with integrity and transparency

4. We communicate effectively, collaborate, and hold ourselves personally accountable

Along with our teammates and the professionals at Bank of America and Merrill, here's what we believe: 

We deliver for clients and their families:  We share a passion for winning and serving the financial needs of individuals, corporate clients and institutional investors. We believe that disciplined execution will help lead to sustainable and long-term performance.

We trust in our team: We work together around the globe to deliver the entire franchise to all our constituents. We strive to be consistent and straightforward in our interactions.

We embrace the power of our people: We value our differences –in thought, style, cultures, ethnicity and experience –understanding that diversity and inclusion are good for business and make our company stronger.

We act responsibly: We are aware that our decisions and actions affect people’s lives every day. We hold ourselves accountable for the disciplined management of risk and for doing the right thing.

Philosophy

What sets our service apart from others is our commitment to:

1. Client Satisfaction: Our top priority is your comfort and confidence

2. Client Focused: Understanding what matters most to you and tailoring our services to your goals

3. Client Planning: Our investment clients receive a retirement plan tailored to their goals

4. Client Communications: Accessibility to your advisor, and timely communications so you make informed decisions with confidence

5. Client Investments: A vast array of investment products and services

6. Client Impact: We are committed to making a lasting impact in your life

7. We bring the depth and breadth of Bank of America and Merrill services where it benefits you

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

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

Capabilities

Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Wealth Management Process

We follow Merrill's Wealth Management Process, which includes client retirement planning and investment reporting platforms provided by Merrill.

There are five steps to the Merrill Wealth Management Process:

1. We evaluate your financial situation and past experience, and work toward an understanding of your attitudes toward investment and market risks.

2. We identify your immediate needs and long term goals.

3. We determine what it will take to fund your goals by preparing a retirement plan tailored to your unique objectives.

4. We find the right mix of investments to pursue each goal.

5. We meet with you regularly to track progress, discuss life changes, and update your investment strategy as needed.

Specific Services

More specific examples of our services are:

Planning and Helping Achieve Your Goals

- Understanding your financial goals and cash flows

- Evaluating the steps needed to accomplish each goal

- Providing a goals based and customized retirement plan

Investments and Risk Management

- Understanding your risk tolerance and rate of return expectations

- Determining your optimal asset allocation

- Analyzing all your investments and make timely recommendations that will help accomplish your goals

- Understanding potential tax liabilities

- Providing regular portfolio analysis and performance reporting

Insurance Evaluation

- Understanding and evaluating your insurance

- “Buy/Sell” agreements for businesses

- Providing term insurance options

Credit and Lending Services offered through Bank of America, N.A.

- Mortgage, credit and consumer lending services

- Business financing and leasing options

Estate Planning Services

- Evaluation of your estate planning options with our internal Wealth Transfer Specialists

- Identify generational wealth transfer issues and opportunities

Your investments at Merrill are made available to you through the deployment of innovative technologies and secure access. You can conveniently and securely access Merrill anytime, anywhere with our suite of powerful mobile apps.

Our client Internet portal at MyMerrill.com allows you to review account information and holdings. You can trade investments, transfer funds between accounts, make remote check deposits, and pay bills through Web bill pay.

Client Enrollment Process

Our team has a four step process for engaging prospective clients:

1. Introductory Meeting Goals

- Obtain an understanding of your current situation and financial needs

- Determine your investment objectives and risk profile

- Identify a fit between our services and your goals

2. Data Gathering Meeting Goals

- Confirm assets, investments, debts, and your budget

- Quantify your objectives so that your retirement forecast can reveal gaps between your investment strategies and your goals.

3. Plan Presentation Meeting Goals

- Review first draft of your detailed and customized retirement forecast and make revisions as needed

- Recommend an asset allocation and investment strategies tailored to your specific needs and goals.

4. Implementation Meeting Goals

- Begin the onboarding and enrollment process

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.

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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3

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 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.



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.



    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.

    #DigitalMerrill

    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.


      Merrill_Capabilities_Brochure.png  

      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.

      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.

      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.