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The Sterner Group

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The Sterner Group

Wealth Management Group

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Merrill Lynch
Wealth Management

The Sterner Group believes that good client relationships are built through teamwork and client involvement, delivered through our advisors, client associates and access to the global resources of Merrill. Our goal is to be your primary source for financial advice and guidance. We want you to value the dedication and diligence we provide at each step of the wealth management process.
Welcome

We chose to be part of the financial services industry to help others. This passion to help stems from collective experience and the financial challenges we or our friends or families have experienced in the past. As witnesses to challenges faced by important people in our lives, we recognized the need for a professional and caring team to help others realize the life they want. Our purpose is to help others define their goals, establish a wealth management approach centered on their priorities and then help them manage the inevitable changes in life.

Philosophy

We believe it is important that you take positive steps toward your financial future, and that means getting more than just investment advice.  We take the time to get to know you and your family, your financial situation and what matters most to you. Using an understanding of your life and priorities as a foundation, we can work with you to build a goals-based financial approach.

Approach

Working with us means working with advisors truly dedicated to your success. Our approach is simple, transparent and supported by thoughtful investment guidance.

We believe clients realize the full value of our relationship, including:

  • helping you make significant decisions
  • recognizing your life priorities and goals
  • understanding your investment personality
  • helping you prioritize and pursue goals
  • being transparent by making possibilities, fees and risks clear
  • taking steps to help you preserve income during a life challenge
  • educating the younger generation about investments and the markets

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.

Focus On Individuals and Families

We can offer advice and guidance designed to assist you in making 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’ll 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

 

Meet Our Team

The Sterner Group is a group of professionals that were attracted to each other because of shared belief in honesty, compassion, knowledge, and trustworthiness. We are committed to meeting the needs of our clients through straightforward, empathetic adherence to principled values. We serve people who see the world as we do. Our role is to be a companion and a guide to those who have entrusted us, not only with their wealth, but also with their life and legacy. The purpose of our business practice is to enhance the lives of our clients while ensuring that their assets make an impact on the causes that they are passionate about.

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.

Jeff Rezza

Jeff Rezza

ISG Portfolio Strategist

Merrill Lynch

Marty D. Cozzi

Marty D. Cozzi

Retirement Plan Manager

Merrill Lynch

Dennis Frantsve

Dennis Frantsve

AI Specialist

Merrill Lynch

Upcoming Events

2020 Market Update and Outlook

July 13th, 2020|3:30 PM - 4:30 PM CST

Please join us for insights on todays critical economic & investment topics with Matthias Berning,VP,Global Market Strategist,JP Morgan Asset Management.
Please contact Marta @ 847-605-4440 or marta.soltys@ml.com for details on how to join the call.

    2020 Market Update and Outlook

    October 12th, 2020|3:30 PM - 4:30 PM CST

    Please join us for insights on todays critical economic & investment topics with Matthias Berning,VP,Global Market Strategist,JP Morgan Asset Management.
    Please contact Marta @ 847-605-4440 or marta.soltys@ml.com for details on how to join the call.

      Past Events

      Discussion on Current Market Events

      June 12th, 2020|4:00 PM - 4:15 PM CST

      Please join us for a weekly debrief call to discuss current market events with the Sterner Group - David Sterner and Marta Soltys.
      Please contact Marta @ 847-605-4440 or marta.soltys@ml.com for details on how to join the conference call.

        Discussion on Current Market Events

        June 19th, 2020|4:00 PM - 4:15 PM CST

        Please join us for a weekly debrief call to discuss current market events with the Sterner Group - David Sterner and Marta Soltys.
        Please contact Marta @ 847-605-4440 or marta.soltys@ml.com for details on how to join the conference call.

          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.

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

          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 periodically 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.


          Periodic 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.


            Monitoring 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.

            Wealth Management Your Way

            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

              We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue 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.

              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.