A Goals-Based Wealth Management Approach to Your Life

Our dynamic and individualized approach to wealth management is built on personal relationships and shaped by an understanding of your life. Although strategies, tactics and tools are important elements in our process, we believe that effective wealth management should begin with a client-centric, goals-based view of what's important to you—your mission, vision and values. 

During our initial meetings, in addition to gathering pertinent financial data, we focus on other areas of importance including: your family, health, leisure, giving, home and work. Going beyond your investment statements, insurance policies and other financial documents, we seek to capture a clear understanding of who you are, what is important to you and how we can help.  

Regular tailored portfolio reviews provide you with an opportunity to reassess your asset allocation in light of changes in the market or your personal situation. If changes to your portfolio are needed, we will work together to evaluate the risk versus return of each investment recommendation in order to remain within your stated risk tolerance.

ACTIVE COLLABORATION

Working together and maintaining relationships with your attorneys, accountants and other key professionals helps us to clarify the various aspects of your wealth management strategy. We can also access Merrill specialists as needed, in such areas as managed solutions, insurance, and estate and retirement planning services, to gain their insight on your behalf. Furthermore, we can access a variety of Bank of America services, including investment banking, lending and trust services.

INVESTMENT PHILOSOPHY

The foundation of our investment philosophy is to get to know each client individually in order to clearly understand his or her needs, goals and aspirations. We also want to know that their expectations are reasonable given their time horizon, liquidity needs, short- and long-term goals and risk tolerance. Once we have that understanding, we identify investments that are appropriate to help pursue their needs and wants, while considering costs, efficiency and effectiveness.

The goal with all portfolios is to reduce downside volatility without drastically limiting the upside potential. Therefore, we utilize investment managers who are long-term oriented as well as those who are tactically focused. In diversifying investment products and styles, we look for those that can complement one another, and steadily review them to see that they are performing the way we intend. We utilize the strength of BofA Global Research and vetting process along with our own years of experience to identify the strategies that can match each client's outlook.

*BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized.

Integrated Wealth Management Services and Strategies

We can work together with your outside tax and legal advisers to offer a single point of contact, thoughtful advice and disciplined guidance to address your financial services requirements. This can greatly reduce your need to work with multiple banks, brokers, money managers and other financial service providers. The tailored strategies we offer extend beyond wealth management to a wide range of financial services, helping you prepare for your future with insights you can use to make decisions today.

Retirement planning: We develop strategies for pre-retirees and those already in retirement to help them create an efficient, steady retirement. Utilizing sophisticated Merrill Lynch Wealth Management retirement analytics, we will help you answer questions that could impact your retirement picture, such as: Can I retire? Do I have enough to cover my needs, my dreams and the unexpected? How do today's choices affect others I care about tomorrow? Is there life after work?

Strategies for business: We help corporate executives and entrepreneurs focus on business and personal finances by offering access to a significant range of financial services, including corporate cash management, retirement plan services, business succession, estate planning services, gifting strategies and insurance. We can also access Bank of America lending, corporate and home financing and banking services. If you are contemplating the sale of your business, we can connect you with Bank of America investment bankers.

Institutional clients: We offer a wealth of knowledge and experience helping private and public organizations pursue their mission and fiduciary goals. Working with specialists from Global Institutional Consulting, who have deep expertise in these areas, we can offer access to a wide range of customized consulting services to hospitals, religious organizations, colleges and other institutional clients. In addition, we can offer institutional and individual clients with significant assets access to a variety of investment advisory services through Merrill Consulting Services.



*Global Institutional Consulting is part of the Global Wealth & Investment Management business of BofA Corp. Global Institutional Consultants mentioned herein are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S“ or “Merrill”) and may assist you with investment products and services. The nature and degree of advice and assistance provided, the fees charged, and clients’ rights and Merrill’s obligations will differ depending upon the products and services actually provided. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a registered broker-dealer and investment adviser and Member SIPC.



 

 

A Multi-Generational Team of Advisors

When making the important decision about choosing a financial advisor, we believe it is important to look beyond today to future generations. The diversity of our team, in our range of ages, helps us relate to multiple generations of client families and understand your vision of the future. We have the ability to serve the many varying financial needs that may occur during your life and the lives of your children and grandchildren. Given our goal to help you preserve, grow and transfer your wealth for future generations, it only makes sense that we would want to build a team that can deliver in the future.

OUR COHESIVE TEAM

Teamwork is intrinsic to our approach for helping clients pursue their financial goals. Our team of talented, caring financial services professionals has extensive experience and diverse capabilities that we draw upon to help address the complex needs of clients. Although you will have a lead relationship manager, we all collaborate and bring our professional backgrounds and experiences to the table to help us apply a broad perspective to the serious business of helping you pursue your financial objectives. We understand and can access the resources necessary to address the different financial needs that can arise at different stages of your life, from raising a family and accumulating wealth to asset preservation and generating a sustainable income throughout retirement.

FOCUSED ON YOUR NEXT GENERATION

We gain the most gratification from building and tending to meaningful relationships with clients and multiple generations of their families. Our goal is to continue to develop lifelong relationships that evolve with your life and the lives of your family members to help secure your family's legacy for generations to come. We regularly facilitate discussions among family members about values and goals, identifying common interests and developing a shared sense of direction.

We can facilitate the transfer of assets from one generation to the next. With your permission, we'll help educate heirs about their future wealth in order to address the concerns and emotions involved in wealth transitions. Our goal is to serve as a bridge to unite multiple generations of family members to discuss activities and issues that are important to you.