Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
Learn more about an advisor's background on
Heil & Associates have over 100 years of collective experience customizing wealth management strategies and delivering concierge-level service to clients and families. Clients include primarily business owners, corporate executives and entrepreneurs who value a strong work ethic, a clearly defined investment process and a collaborative approach to managing their wealth. We believe that these are among the reasons many of them have elected to work with our team for decades. We are honored that as clients have retired or relocated, they have chosen to continue working with our team. We have found that geographical distance is no obstacle to building and maintaining long–term relationships based on professionalism and personalized service.
Our approach to wealth management extends beyond investments, integrating the various moving parts of clients’ financial lives. This approach is designed to help them grow and preserve their wealth, as well as manage risk along the way. Whether a client is preparing for retirement, saving for a child’s education or transferring wealth to the next generation, each goal is prioritized and coordinated. We are committed to providing a level of service and attention to detail that significantly exceeds expectations.
Our commitment to clients and our community
Community service is very important to our team members. We value volunteerism and are devoted to making a positive difference in the community where we work and live. Over the past several decades we have been fortunate to build a successful business and believe strongly in giving back.
In serving clients, we adhere to the following principles.
Every client has a unique set of goals, challenges and aspirations. As a result, Heil & Associates provides a customized wealth management strategy tailored to your individual circumstances. Our process begins with a conversation in which we seek to discover where you are today and where you want to be tomorrow. We go beyond balance sheets and financial statements to learn what’s most important to you and why.
Based on what we learn, we design a wealth management strategy that takes into account the priority of your goals, liquidity needs, time horizon and risk tolerance. In developing the strategy with you, we seek to:
1. Clarify goals you deeply value
2. Avoid unnecessary lifestyle sacrifice
3. Minimize investment risk
Throughout our relationship, we will communicate with you to review the progress we are making towards your goals and to remain informed about changes in your life that could impact your financial outlook. Our reviews will include our global outlook, evaluating your asset allocation and progress toward your goals.
We believe there is more to wealth management than just investments, and, with your permission, we will collaborate with your attorneys and accountants to see that all aspects of your financial life are coordinated.
We have had the pleasure of working with successful individuals and business owners throughout the different stages of their lives—from their prime earning years, when they are accumulating wealth, to retirement when they are seeking to produce income, preserve their assets and to create a legacy for the next generations.
Individuals and families
We foster long-term relationships with clients’ children and grandchildren in an effort to encourage continuity of service and financial advice and guidance. Often, we involve family members in our conversations about strategies for transitioning wealth.
Having built our own practice, we appreciate and respect the challenges and responsibilities facing entrepreneurs. We provide strategic advice and guidance on issues such as growing your business, maintaining family ownership, and, by accessing resources at Bank of America, realizing its value through employee stock ownership plans (ESOP) or sale. To help synchronize your personal and professional goals, we can help with:
Retirement plan services
Business insurance to protect against disruptions such as departure or disability of key personnel
Business continuation and succession strategies
We can access a very deep bench of specialists, including a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized banking guidance focused on your needs. Working together, we can draw upon an expansive array of lending solutions designed to fit into your overall financial strategy and help you pursue your financial objectives. *The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.
We are well versed in helping clients manage complex compensation issues, including company stock options, deferred compensation and pension alternatives. As part of the process, we look at all of your assets, including those not held at Merrill, to have a clear understanding of your progress relative to your goals.
Drawing on the team’s experience, knowledge and insight, as well as the investment insights of Merrill and the banking convenience of Bank of America, we assist clients in coordinating the various aspects of their financial lives.
Retirement planning services
Utilizing the team’s sophisticated tools, we can help you decide how much retirement income you will need in order to have the retirement that you envision. Based on your input, we will suggest a strategy designed to let you pursue your retirement goals. For those already retired, we can help to create a strategy appropriate for the lifestyle they desire.
Risk management strategies
It is critically important to understand both how to avoid risk and how to use it to your advantage. We will always carefully assess your tolerance for risk and design appropriate short and long-term strategies to help you prepare for the unexpected. We feel strongly that it is our responsibility to help you avoid the potential financial land mines that could devastate you and your family.
Financial decisions that you make today may potentially have tax consequences that could have a significant impact on your lifestyle in the future and, ultimately, could influence how much of your wealth is available to fund your legacy. We can work with a client's tax advisors and estate planning attorneys in an effort to design strategies that help to minimize income tax and estate tax liability.
Wealth transfer strategies
To help you preserve your assets and pass them on to the people and causes you care most about, we collaborate with the firm’s trust and estate planning specialists and, with your permission, your personal estate planning attorney to facilitate wealth transfer strategies that seek to minimize tax liability. Strategies that may be considered are insurance, trusts, gifting and family partnerships.
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Forbes "Best-in-State Wealth Advisors" 2019, 2020, and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Forbes "America's Top Women Wealth Advisors" 2020 and 2021
Published annually Feb- April. Rankings based on data as of June 30 - September 30 of prior year.
Forbes "America's Top Women Wealth Advisors Best-in State" 2022
Published on February 4, 2022. Rankings based on data as of September 30, 2021.
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.
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Wealth Management Banking Specialist
Senior Wealth Management Lending Officer
Bank of America, N.A.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
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.
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.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.