Mapping a course toward your financial future

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.

A focus on clients’ priorities

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.

Business owners

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:

Wealth Management
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.

Executive services

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.

Integrated wealth management

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.

Tax-minimization strategies

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.