The Lorenz Group

push-top

The Lorenz Group

Wealth Management Group
Introduce us to a friend

Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management
Our mission?

To help clients live the best life possible
with the financial resources available to them.

The Lorenz Group

mediahandler/media/
Welcome

Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

mediahandler/media/
DOING MORE FOR FEWER CLIENTS

At The Lorenz Wealth Management Group, we believe in serving fewer clients with excellence, rather than many clients with mediocrity. This principle has led to us digging deeper on behalf of a limited circle of client families – and having the ability to discuss, explore, and follow up on a host of financial issues that matter to clients.

Through multiple discussions and meetings, we develop knowledge and appreciation for what’s on a client’s mind and in their heart. Every client – indeed every person – has a unique perspective on their personal finances, what values they place on the importance of money, and what roles their financial advisors should play in their lives. Learning a client’s priorities and values is an ongoing process. The more time we are able to spend with clients, the better able we are to formulate appropriate strategies and adapt in a timely fashion to changing conditions.

As a wealth management team, we are dedicated to increasing the probability of each client’s financial success. Equally important to the end result, we want our clients to enjoy the ride. Being informed, educated, and prepared allows each client to handle life’s financial challenges with the appropriate response – both financial and emotional.

mediahandler/media/
OUR EXPERIENCE AND PRINCIPLES

We take pride in our ability to share our experience with clients by articulating concepts in simple terms. Additionally, we apply the knowledge we’ve gained over the years in two ways:

First, we take time to educate clients about the lessons we’ve learned. Investor expectations and fears can often be misaligned to the realities of the markets. That’s why we feel that an educated investor is a prepared investor.

Second, our experience tells us to abide by our own set of principles and guidelines – ones we’ve followed for more than two decades:

  • Never promise what we cannot deliver.
  • What we do is more important than what we say we do.
  • Explain fully, communicate clearly, and help clients avoid navigating by emotion.
  • Engage with both spouses and entire families (whenever possible). This enables us to understand family dynamics and how they shape our clients’ views.
  • Always do what is right – especially when nobody is watching.
  • Be transparent – clients expect nothing less.
  • Learn from and admit our mistakes. Clients don’t expect us to be perfect, but they deserve our honesty.
  • Be reliable and prompt. Treat clients’ requests as we would expect ours to be treated.
  • Address each question to the clients’ satisfaction. If the client doesn’t understand it, it’s not answered.

Ultimately, we believe clients choose to work with us, stay with us, and refer others because of the overall value we deliver – and because we listen, follow up, follow through, and are reliable.

mediahandler/media/
PLANNING-BASED APPROACH AND SERVICES

At The Lorenz Wealth Management Group, we want to know everything about our clients. Listening closely, taking detailed notes, printing out those conversations and referring to them each time, we can connect the dots in clients’ financial lives through a disciplined, planning-based approach that is ongoing – rather than a one-time event.

We understand that investments play a significant role in clients’ lives, but they are not the only variable in achieving financial success. A chair can only withstand the pressure if all four legs are sturdy. For this reason, we encourage clients to engage in broader discussions about what they envision for themselves and their families, their primary concerns (financially, professionally and personally), and what they view as most important to them.

Our capabilities include:

  • Portfolio Management
  • Concentrated Stock Management
  • Retirement Planning
  • Tax Minimization Strategies
  • Trust & Estate Planning Strategies
  • Cash Management
  • Liability Management (Residential, Commercial and Securities-Based Lending through Bank of America, N.A.)
  • Transition Management Strategies and Report Creation for Life Events (Marriage, Birth of a Child, College Planning, Change in Job Status, Divorce, Loss of a Spouse or Parent, Social Security, Business Sales or Purchases)

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Karl M Lorenz

Forbes “Best-in-State Wealth Advisors”  2018 and 2019

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.

Marcy  O'Brien

Marcy O'Brien

Wealth Management Lending Officer NMLS # 559813

Anna Prokopenko

Anna Prokopenko

Wealth Management Banking Specialist

Jeffrey Hyman

Jeffrey Hyman

UHNW Insurance Specialist

Your Financial Strategy

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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

Staying on Track

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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

    Monitoring changes in your life and to your goals
    Monitoring changes in your life and to your goals

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

    ML_Video_v2.jpg
    Access to what you need, when you need it

    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

    • Your advisor is never more than a click away within our site or mobile apps
    • 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

    *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.

    Let’s Have a Conversation

    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.

    Why Merrill Lynch?

    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.


    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.

    Personalized advice from a dedicated financial advisor.

    Getting to know you is our primary goal.

    A comprehensive approach, built around your life’s priorities.

    Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

    Adjusting your plan as your life and the markets change.

    We will work to help you stay on track, regardless of what the markets are doing.