Barlow Associates

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Barlow Associates

Wealth Management
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Merrill Lynch
Wealth Management
Barlow Associates brings together a group of highly talented financial professionals focused on the needs of high-net-worth clients. That means that no matter what your wealth challenges, chances are we've encountered similar situations.

At every level, no matter what the need, we strive to deliver outstanding service, with speed and discretion.
National Awards and Accolades

Featuring Barry O. Barlow

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"We help our clients produce lifetime income and wealth that can be passed along to future generations."

Barry O. Barlow, CPFA
Managing Director
Senior Financial Advisor

Financial professionals who strive to put your interests first


Barlow_tab_2.pngYou deserve a customized, insightful road map for your finances, and we stand ready to help, with substantial experience in offering customized advice and guidance to a diverse cross-section of affluent families. Based in Louisville, Kentucky, we help clients to make key decisions on investing, asset management, retirement savings, gifting and wealth transfer, and much more.

Our approach is based on:
  • Solid relationships—Everyone on our team is committed to developing client relationships that will form a solid foundation for the knowledgeable guidance you seek, now and in the years to come.
  • Open communication—To serve you effectively, we encourage open lines of communication so we understand the goals and objectives you have for your life and your assets. We also want family members to feel that they can share any issue that could affect their financial outlook.
  • Dedicated, personalized service—We strive to be available on your schedule, when and where you need us, offering speed, efficiency and clear recommendations tailored for you alone.

Putting our Knowledge to Work for your Family


Barlow_tab3.pngBarlow Associates takes a thorough approach to helping affluent families manage their wealth. We can look at everything-present income, assets and expenses-to help you develop a clear and actionable strategy toward your long-term goals, taking into account your risk profile, time horizon, financial objectives and liquidity needs.

Our team targets three key areas when helping clients answer the question, "What's next?":

  • Goals—We want to understand how you use your assets today and where you want them to take you tomorrow, as well as any special needs your family may have. Then we can recommend strategies designed to help you pursue your unique vision.
  • Preservation—Most of the people we work with come to us having already gained significant wealth. Our experience allows us to offer flexible preservation strategies while pursuing prudent growth.
  • Risk—We work to help clients understand and prepare for the many, often hidden, risks to their wealth. In addition to market and economic risks, we can offer strategies designed to help minimize the financial impact of taxes, inflation, long-term illness, disability and more. We can also suggest insurance and wealth transfer strategies to help you pass on your assets as you wish.

Investment Strategies Tailored for High-Net-Worth Families


Barlow_tab4.pngOnce your goals are clearly defined, we can guide you in customizing portfolios targeted to specific objectives. You may have business or other equity investments, equity compensation, real estate, intellectual property, trusts, cash and other assets.

Our team can look at your present holdings to help you see which assets we believe are working for or against your long-term financial outlook. We evaluate each investment for its value, risk and utility toward your financial goals.

In developing investment strategies for preservation and growth, we consider the latest research on market and economic trends as well as an analysis of the types of investments that are suitable for your objectives and tolerance for risk.


Discretionary Portfolio Management
Barry Barlow is a specially qualified Senior Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. Senior portfolio managers are provided a high degree of flexibility in constructing portfolios and selecting securities. When servicing clients through the firm’s Investment Advisory Program, a senior portfolio manager may manage his strategies on a discretionary basis. After meeting certain additional requirements, a senior portfolio manager may use his own strategies to manage the assets of clients working with other Merrill Lynch advisors.

A Team Committed to Helping the Community

Barry Barlow on community service...

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"I am proud to head up a team of individuals that bring as much passion to their community interests as they do to their work. In our free time, we enjoy volunteering, helping the less fortunate, mentoring youth, championing civic projects and serving on nonprofit boards.

"The families we work with are just as oriented toward community work and philanthropy. Their interest goes beyond writing checks to investing their most precious resource—time—in organizations, projects and initiatives that define civic pride. From the sustenance that comes in a hot meal, to programs that help students excel, to support systems that serve our most vulnerable neighbors, we join with them in seeking new dimensions in service.


"At Barlow Associates, we're proud to work with families who use their talent, enthusiasm and resources to make Louisville such a great place to live, work and learn."

Barry Barlow is a Merrill Lynch Senior Financial Advisor
and Managing Director

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.

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.

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    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

      *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.


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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.

      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.