Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

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McMullen and Associates

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Merrill Lynch
Wealth Management

A Wealth Management Team For The Long Term
Whether you are still accumulating wealth, enjoying your retirement or considering how to transfer your wealth to future generations, the McMullen and Associates group is committed to offering you the highest quality financial advice and guidance.
Our Team Philosophy

Founded on the principle that every client is special and deserves personalized care and attention, our multi-generational team strives to be accessible to you and responsive to your needs.

Our commitment is to help business owners, corporate executives and other successful families in the Midwest and throughout the country prepare for their financial future. We are honored that as clients have retired and relocated to other states, they have chosen to continue working with our dedicated team and have introduced us to additional family members in need of wealth management.   We have found that geographical distance is no obstacle to building long-term relationships based on personalized service and trust. As of May 2022, clients have entrusted McMullen and Associates with over $690 million in assets and liabilities.

We believe communication is the key to building strong client relationships and strive to regularly reach out and explain the current market environment and to hear your insights and concerns. We will also remind you to review nonfinancial issues that may be essential to your long-term goals, such as living wills and durable powers of attorney.

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A Wide-Angle View of Your Financial Life

Our goal is to be your financial advisor for all the seasons of your financial life—whether you are still accumulating wealth, enjoying your retirement or considering how to transfer your wealth to future generations.

We believe your wealth management strategy should be powered by big-picture thinking and supported by detailed advice and guidance. That's why we start with a thorough analysis of your financial life—finding out all we can about your current circumstances, future aspirations and any particular concerns that keep you awake at night. Then we can guide you in establishing clear financial objectives and custom-design a strategy with the aim of helping you to reach those goals.

Our conversations might begin with questions like these:

  • When would you like to retire and how much income do you think you will need to live comfortably in retirement?
  • Do you have specific retirement goals, such as traveling or purchasing a vacation home?
  • Do you want to fund a child's or grandchild's education? Leave a legacy for future generations?
  • Do you have adequate insurance coverage, such as long-term care insurance for yourself and your spouse?

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Balancing Risk and Reward

One of the most important tasks of a wealth management team is to help you determine the appropriate level of risk, not just for your temperament but for your investment goals at different stages of your financial life. For example, you may want to reduce the amount of risk in your portfolio after you retire. But in all likelihood, you may need to take some risk to generate income to fill the gaps between stable, fixed sources of income, such as pensions, and your spending in retirement.

We believe you should manage the risk in your portfolio by taking into account market risks and volatility as well as your personal risk tolerance, liquidity needs and time horizon. We consult a range of resources—including BofA Global Research—to be aware of current economic conditions, global market trends and projected corporate earnings.



*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. 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. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

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Four Pillars of Our Investment Approach

ASSET ALLOCATION We will work with you to apportion your investments among multiple asset classes that reflect your long-term objectives, income and liquidity needs, time horizon and overall risk tolerance.

DIVERSIFICATION Portfolios that are broadly diversified across and within asset classes have the potential to mitigate volatility risk and smooth out returns over time.

RESEARCH We leverage thought leadership from BofA Global Research and the Investment Management and Guidance Group, as well as consulting outside sources to gain a broad perspective on world events and the global economy. 

INVESTMENT SELECTION For most clients, we consider a broad universe of investments that includes:

  • Domestic and international stocks
  • Taxable and tax-advantaged bonds of all maturities
  • Cash and short-term instruments
  • Mutual funds and exchange-traded funds
  • Nontraditional asset classes such as commodities, currencies and alternative assets (where appropriate for certain investors)


*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

*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. 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. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Get To Know Us

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.

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