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Jimmy Ray

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Everything Jimmy does, he believes in helping people unconditionally. He believes in doing right by people, no matter who they are, how much money they have, or what reward may come of it.

As a result of this belief, Jimmy listens to people, he responds with deep consideration and thoughtfulness, and he follows through on his commitment to help others live meaningful lives.

The interesting part? Jimmy just so happens to manage the financial lives of his clients just like that!

For Jimmy, a career in financial services is about aligning who he is, his core values and principles, with the work he does each day. It’s truly a rare and exciting union between passion and purpose.

As a financial advisor, Jimmy focuses on putting together plans and strategies for high performing professionals – such as athletes, entertainers, independent contractors, and self-employed business owners – that specifically address the high pressures, time demand, expense burdens, and the performance-based variable compensation structures inherent with these client's line of work.

Jimmy also aligns his practice with a team of internal and external industry specialists to address a myriad of other financial concerns and complexities his clients face.

These services can range from legacy, trust, and estate needs to insurances, structured lending, and much more. Jimmy is proficient in many of these areas. But Jimmy believes in the power of teamwork. He believes that in life if you want to go far, go together.

In his personal life, Jimmy is a family man with a loving, supportive partner and two very energetic children. As a family, they love to travel, visit new parks, hike, go site-seeing, and camping.

Growing up, Jimmy experienced parental negligence, disappointment, and abandonment. Jimmy knows and understands from experience what it's like to be bullied, abused by those you trusted, and treated like a commodity or a means to an end. Jimmy knows what it feels like to be taken advantage of for financial and political gain.  

Reflecting back on this experience has helped Jimmy to become the man he is today...

It has shaped his belief in being unconditionally selfless and to do right by others - not for a reward - but because it is the right thing to do.

And it has helped Jimmy learn to take ownership of his life and decide his own path.

It’s not the blowing of the wind that determine where we end up. It’s the set of the sail.

Thankfully, Jimmy made the right choices in life that ultimately landed him in the role of a financial advisor, where he continues to commit to making sure every person he meets is taken care of and listened to.

Additional Resources

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.

Gary Randal Harrell

Gary Randal Harrell

Structured Credit Executive

Bank of America, N.A.

Jeremy Floberg

Jeremy Floberg

Trust Specialist

Bank of America, N.A.

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

I begin every relationship 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.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Capabilities

My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

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. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I start by getting to know you and how you feel about the following seven life priorities.

  • 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

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 give you a sense of the full assessment and 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.

Explanation of Services

I believe everyone needs a good financial coach in life. As a good financial coach, I want to help others make the most out of the financial resources they have today, so that they can immediately begin spending more time with the people and projects that matter most, worry-free. This is no easy task. In fact, many will argue that if you follow traditional methods of financial planning this may seem be an unrealistic and impossible task. But aren't impossibilities just undiscovered possibilities?

For me - everything I do, I believe in going against the grain and challenging the status quo. I believe in doing things differently. The way that I go against the grain and challenge the status quo is I base all of my decisions in life around a proven framework, a sound rationale, and an aggressive goal that challenges our belief and our perception of what’s possible. I happen to manage wealth like this, too. Are you ready to see what's possible?

My Philosophy

My philosophy is simple: I believe that to live a good life it’s not about doing all that you know. It’s about knowing all that you can do. Therefore, the key to living a good life lies in trying to know all that you can do as soon as possible, so that you can begin to make more meaningful choices much sooner in life, rather than much later in life. In other words, it's about understanding first and foremost what matters most to you.

That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most. Worried about managing 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? Taking the time to ask hard, smart questions and to listen carefully, and understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow is my key to implementing the right philosophy that can transform your life forever.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.

HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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.


      Merrill_Capabilities_Brochure.png  

      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.

      We get to know you and your family, your financial situation and what matters most to you.

      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.

      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.