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Outlook 2023: Back to the (new) future

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Profile

I focus on offering a comprehensive approach to managing wealth that begins with getting to know a client and the client’s family, financial situation and what matters most to them. Then I help them create a customized wealth management approach that can be flexible as their needs and market conditions change. I provide access to the investment insights of Merrill and banking convenience of Bank of America to help address the various aspects of clients’ financial lives. I am driven by my passion for delivering excellent service and helping clients pursue their goals.

I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.

  • EDUCATION

    Northwestern University

    University of Chicago

    The University of Chicago Booth School of Business

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 Cho

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #784929

Gregg Baker

Wealth Management Banking Specialist

Merrill

Allen Reece

Wealth Strategist

Merrill

Past Events

Washington Update 2022

October 19th, 2022|3:00 PM CST

Merrill invites you to the second in a two part virtual event series featuring Andy Friedman, a dynamic and insightful speaker and author known for his unique ability to translate difficult tax and fiscal information coming out of Washington, D.C. into potential growth strategies for business owners, executives and high net worth investors. Andy will discuss his perspective on the current political environment, prospective legislation and strategies for investment and retirement planning.

Click here to register

    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

    I strive to ensure that my clients live their best possible lives and maximize their resources. I understand that life can be dynamic and complex. I want to know what is important to them,financially, professionally and personally. My goal is to discuss and educate my clients regarding a broad range of topics likely to influence their financial future, listening intently to gain a comprehensive and clear understanding of their true goals and priorities. Based on this holistic review, I work with my clients to create a customized financial strategy to help them live life the way they desire.

    Philosophy

    We believe the best financial strategy is one that helps our clients pursue their goals. We begin with a holistic review to develop a deep understanding of who they are, their risk tolerance, time horizons, liquidity needs, and goals. Additionally, we are pleased to collaborate with other professionals with whom they work in order to ascertain the fullest picture of their individual situation. This comprehensive approach allows us to accurately identify and address your financial opportunities and challenges. With access to the investment insights of Merrill and the banking convenience of Bank of America, we will team up with our clients to formulate an actionable plan to address their goals. Our process is designed to deliver a customized, consistent experience that goes beyond portfolio management.

    Executive Compensation

    With options trading experience commencing in 1992, I am particularly skilled at navigating executive compensation. Employing both qualitative and quantitative analysis to each unique situation to help optimize the long-term outcome for my clients.

    *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.

    ESG (Environmental, Social, Governance) Investing:

    Sustainable investing strives to align our clients’ personal values with their investments in order to create a positive social and environmental impact. ESG investors actively opt to invest in companies that have demonstrated an impressive track record of environmental, social, and governance attributes. This approach differs from a traditional SRI (Socially Responsible Investing) investor who focuses on excluding certain industries or companies from their portfolios because these companies have failed in certain respects. There is a growing base of evidence suggesting that companies that are environmentally sustainable and have positive screens for corporate governance and diversity in executive leadership outperform investments that do not share this focus. Furthermore, there is growing realization that companies that prioritize ESG factors may well perform better over the long term across a variety of measures, including lower risk and cost of capital as well as operational and share price performance.




    *Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

    Life Transitions

    During times of transition, specifically during divorce, one is forced to make major decisions that impact them over a lifetime within a finite and often short amount of time. It is therefore critical that people going through these challenging times are able to establish clear, concise financial goals for the outcome of the process. The first step is targeting the focus, what are the client’s primary concerns - maintaining one’s current lifestyle? Feeling secure? Are there future considerations such as children’s educational costs, overnight camp, weddings, religious celebrations, etc.? Assessing the assets available to achieve the desired goals is the next component; some are easily evaluated, others require documentation to distribute (QDRO for 401ks), and many rely on complicated formulas and rates to estimate value (stock options or concentrated positions, pensions, business concerns, deals in progress). Once we compile a complete picture of the balance sheet, assets and liabilities, we can make educated decisions regarding trade-offs regarding timing of payment, certainty of a smaller distribution compared to the volatility of a range of pay-outs in the future, and make sure we are advocating for an outcome that makes the most sense. There is no use in “winning the house” in a divorce if the client has no funds to maintain the property after the divorce. I would be happy to share additional details of how I have helped clients negotiate similar challenges.

    Approach

    I 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, I 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 me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I 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 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

    My 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. My 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. I view myself 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

    I 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, I 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.

    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 I can help you create a financial approach that reflects your personality. Only then can I 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.



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        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.

        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.