Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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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.
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 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 Bank of America Merrill Lynch 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 Lynch Consulting Services.
*Global Institutional Consulting (“GIC”) is part of the Global Wealth and Retirement Solutions business of BofA Corp. Institutional Investments & Philanthropic Solutions (Philanthropic Solutions) is part of U.S. Trust, Bank of America Corporation (“U.S. Trust”). U.S. Trust operates through Bank of America, N.A., member FDIC, and other subsidiaries of BofA Corp. For both GIC and Philanthropic Solutions, banking and fiduciary activities are performed by wholly owned banking affiliates of BofA Corp, including Bank of America, N.A. Both brokerage and investment advisory services are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC), and registered investment adviser; the nature and degree of advice and assistance provided, the fees charged, and clients’ rights and MLPF&S’s obligations will differ depending upon the products and services actually provided. Global Institutional Consultants mentioned herein are registered representatives with MLPF&S and may assist you with investment products and services.
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.
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.
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.
Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
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We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.
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 give you peace of mind* that you're on track to help 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.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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. 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 financial 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.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, 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.