Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Profile

VALUE PROPOSITION

By asking questions, listening and appreciating clients’
financial and emotional capital, I can help them pursue life’s rewards
– even when difficult circumstances can stop them in their tracks.

PROFILE

Anna is fascinated by the people she serves – an impressive clientele residing in Central Kentucky, Indiana and on both coasts. Diverse in their livelihoods and lifestyles, they include active and retired corporate executives, business owners, physicians, dentists and architects (for whom she also handles their employees’ retirement plans).

Still, Anna most often receives referrals to women who’ve assumed responsibility for their finances as sole earners, after divorce or as widows. Working hard to earn their trust – when trust is hard to come by – Anna examines each client’s emotional risk tolerance and what’s mathematically feasible in terms of achieving their short- and long-term goals. Ultimately, she strives to help clients regain a sense of control and focus on themselves – to see what’s truly possible.

Supported by her three client associates and resources throughout Bank of America, Anna currently assists many clients who followed her to Merrill. She offers customized retirement planning, succession planning, education planning and liability management. Anna also advises clients on managing large concentrations of stock positions, and key transitions including an inheritance and the sale of a business.
 
“When it comes to investments, I put myself in clients’ shoes, rather than put them into any portfolio. As a “hands-on” and “ears-open” advisor, I need to have a clear idea of a client’s financial picture – and identify areas of strength and weakness. Then I use Merrill’s exceptional research and due diligence to invest intelligently on behalf of each client – with a focus blue-chip companies. My job is helping clients get from Point A to Point B with the least amount of risk necessary,” Anna explains.

Anna not only speaks the language of many clients (English, Russian, Ukrainian and French), she also speaks “legal-ese” – allowing her to work effectively with clients’ attorneys on issues of divorce and estate planning strategies (given her training as a paralegal). In addition, Anna coordinates with clients’ CPAs to align tax minimization strategies.

 

Given her banking background, Anna also finds it natural to focus on both sides of clients’ balance sheets – assets and liabilities. In fact, her knowledge of the dynamics and process of large banking institutions helps her in providing access to residential, securities-based and other lending solutions from Bank of America, N.A.



Anna grew up in Kiev, Ukraine and graduated from Kiev National Linguistic University before moving to the U.S. and graduating from the University of Louisville. In 2005, she began her 15-year career in banking and investments at US Bank and later assumed roles of increased responsibility at Chase and PNC, including that of private client advisor. Anna moved to Merrill in 2018, to give clients a more comprehensive range of potential strategies and solutions.

Anna resides in Crestwood with her husband, two daughters and rescue pup Buddy.

I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.

  • LANGUAGES

    Ukrainian, English & Russian

  • EDUCATION

    Kiev National Linguistic University

    University of Louisville

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Approach

Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

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 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.

Philosophy

I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Welcome

My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you’d like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.

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


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.