Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

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.

Additional Resources

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.

James G Nagrant

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #444459

Nicholas A. Beilfuss

Wealth Strategies Advisor

Bank of America, N.A.

Joshua Webster

Wealth Management Banking Specialist

Merrill

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

Welcome

We are a wealth management team that works with families throughout the United States, helping them organize, deploy, and transfer their wealth effectively. We’re privileged to serve multiple generations of client families, each with distinctive needs and priorities. We bring big-picture vision and exacting attention to detail, generating practical strategies and tangible assistance to help resolve the complexities of significant wealth.

 

Our work is highly customized, reflecting the unique characteristics of each relationship. Clients know that we are relentless in our efforts to listen intently, answer questions, and anticipate challenges. We’re not afraid to dive into thorny issues or complex circumstances to help clients develop thoughtful and purposeful paths forward.

Philosophy

Mindful of Client Time

We are honored to work with an accomplished and busy clientele. Many are current or retired C-suite executives, business owners, entrepreneurs in medicine and technology, and affluent families. We are mindful of the hard work and sacrifice inherent in each client’s story and are keenly attuned to the demands that clients face. As a team, we strive to restore the one commodity that successful individuals most desire: free time.  Our process is deliberate and disciplined; we look for ways to enhance client comfort, reduce anxiety, and empower families to make meaningful progress in pursuing their aspirations.

 

We recognize that effective wealth management requires leadership and coordination. We’re skilled in collaborating with a client’s external tax and legal advisors, as appropriate, helping to advance a unified framework that balances current needs with long-term priorities.

An Informed Perspective

We offer a holistic approach to wealth management, analyzing both sides of a client’s balance sheet to detect possible inefficiencies and remedy gaps. Our process centers on three pillars of goals-based wealth management:

Understand your unique goals and circumstances
Develop a tailored financial strategy, through asset allocation*, behavioral coaching, and tax-aware investment management **
Provide ongoing advice and guidance about savings, withdrawals, and portfolio rebalancing, relative to changing life circumstances
 

We are adept in multiple areas of wealth management, embracing best practices, while integrating the in-depth insight of locally-based specialists. Clients look to us for a range of needs:

Tax- and fee-sensitive investment management
Cash-flow analysis
Pre- and post-retirement strategies
Trust and estate planning services
Access to lending through Bank of America, N.A.
Business succession strategies
Concentrated and restricted stock strategies
Gifting and wealth structuring
Insurance, including long-term care
Financial stewardship and coaching
 

Centered on Service

We strive to deliver a superior standard of service on every level, every day. We’re not only attuned to the mechanics of wealth management, but to each client’s emotional connection to wealth and its intersections. Deeply interested in behavioral finance, we incorporate its findings to help clients avoid the pitfalls and harness the opportunities that can accompany substantial wealth. Most important, we develop deep and genuine relationships with the clients we serve, providing them with proactive and reliable advice on a host of issues.

 

We invite families who desire a more structured and thoughtful approach to their finances to contact us to discuss their needs in more detail.






* 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.

*Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Approach

Every relationship begins 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.

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 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

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

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. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.

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.


      MLBrochure.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.

      Anthem video thumb.jpg 
      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.