Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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Located in the Barrington, Illinois, area, The HDB Group is dedicated to assisting affluent clients and their families with their sophisticated wealth management needs. We draw on more than 60 years of collective experience to help you lay out a clear path toward your financial goals.
The personalized wealth management we provide goes beyond investment strategies to a range of services designed to address the entirety of your financial life. Together with your tax and legal professionals we can help you evaluate retirement and estate planning services, tax minimization strategies, legacy planning services and risk management strategies. Our mission is to help you grow and preserve your assets and simplify your financial affairs.
We seek to fulfill this mission through:
Knowledgeable advice and guidance—The members of our team possess diverse experience and professional designations that allow us to consider your wealth management needs from different perspectives. Together these capabilities form a foundation of knowledge and skills that we can draw on in developing and implementing strategies designed to address the challenges associated with the different stages of your financial life: wealth accumulation, preservation, distribution and transfer.
Exemplary service—Integrity and professionalism are the cornerstones of our service. We are committed to putting clients' interests at the center of everything we do and devoting our full attention to every interaction. We seek to keep clients informed about their current financial position, their progress toward their goals and any market opportunities that may arise. We also strive to respond to questions and requests quickly and effectively. It is our belief that our personalized, attentive service is among the reasons that a number of our relationships span multiple years and several generations.
We follow an approach that seeks to transform clients from merely having objectives to actively pursuing them. Our process begins with determining your current financial situation and helping you articulate your objectives for the future. We also seek to define your risk tolerance, liquidity needs and time horizon. What we learn forms the basis for the wealth management strategies we recommend.
Our discovery process is both quantitative and qualitative. On the quantitative side, we may ask such questions as:
The qualitative side involves questions like:
Our next step is to present you with a detailed written analysis that addresses your goals, whether they involve accumulating wealth, generating income, solidifying a retirement plan or devising a distribution approach that supports a certain lifestyle or legacy.
Throughout our relationship, we will meet with you regularly to review your strategy. If necessary in light of changes in the market or your personal situation, we can suggest adjustments to help keep your portfolio aligned with your goals and risk profile.
Building and maintaining strong relationships with your other professional advisors are also important parts of our process, helping us integrate the different elements of your financial life. We can collaborate closely, for instance, with your attorney to see that assets are titled properly and with your tax advisor to consider business and personal tax impacts.
The wealth management strategies we create with you are designed to help you navigate the financial life cycle, from wealth accumulation through wealth transfer. Our goal is to understand where you are in the cycle, then help you prepare for the stages to come.
Wealth Accumulation--It is important to prepare for expenses you may face both in the near term and in the more distant future. Through access to Bank of America, we can help you develop strategies for funding home purchases or improvements, or, through Merrill Lynch, we can help you to create strategies to fund your children's or grandchildren's education. At the same time, we can assist you in laying the groundwork for a comfortable retirement by recommending ways to maximize your pretax investment potential through an employer-sponsored retirement plan or IRA. Our strategies are designed to help build your wealth by balancing your asset investment needs against your liabilities.
Wealth Preservation—After your peak earning years, wealth creation may become less important than wealth consolidation. In conjunction with Merrill Lynch specialists, we can offer estate planning services, involving such tools as life and long-term-care insurance. Working together with your tax or legal advisors we can assist with tax minimization strategies designed to help preserve your assets for your future use and for your heirs.
Wealth Distribution—As retirement approaches, your attention shifts to finding ways to help maintain the lifestyle for yourself and your family that you've worked so hard to establish. We can help create strategies designed to generate a sustainable income stream that has the potential to increase over time to cover such eventualities as rising health care costs and long-term care.
Wealth Transfer—A well-thought-out wealth transfer strategy should take into account not only your assets but also your values and intended legacy. In collaboration with Merrill Lynch wealth structuring and trust specialists, we can work with you and your tax and legal or other trusted advisors to see that necessary documents—such as wills, trusts, durable powers of attorney and medical directives—are in place and up-to-date.
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 Banking Specialist
Wealth Management Lending Officer NMLS # 417456
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We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
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 strategy, our goal is to help you stay on track to achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
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*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Merrill Lynch Wealth Management Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage 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 strategy to pursue your goals.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy 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.