Lisa Webb

Committing to you—your life, your goals, your dreams
Wealth management is more than just investing your assets. It is an ongoing process designed to deliver a customized, consistent experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investment management.  Helping you better manage your assets is my goal, and that goal starts with getting to know you and understanding what matters most to you.

Facing the future with confidence—retirement on your own terms
Retirement is a journey.  And I want to help you live life on your own terms with a retirement strategy you deserve, designed to help you achieve your financial goals and dreams.  You spend your whole adult life working hard for your money and now it’s time for your money to work hard for you.  My goal is to develop and implement a holistic strategy to ensure that you preserve your wealth throughout retirement and leave a legacy for your heirs.

Preserving a legacy—the financial future your family deserves
Maintaining family wealth over generations can be challenging.  So, what is the most tax efficient way to transfer wealth to your heirs?  And what is the best way to transfer a closely held business or gift to charitable organizations?

Legacy planning is a process that takes a team of professional advisors including an estate planning attorney and your tax advisor.  I will work closely with your tax advisor and estate planning attorney to evaluate various strategies to develop a comprehensive wealth transfer strategy for you and your family.  A well-coordinated Will integrates IRA and retirement plan assets and accommodates non-financial assets that can require specialized skill to manage, such as a business interests, investment real estate or oil and gas interests. 

Utilizing the estate planning services of Bank of America and Merrill, I am committed to helping you and your family ensure that your wishes are carried out.  As part of an overall wealth management process, I recommend reviewing your current situation, wills, trusts and life insurance as significant life events and tax law changes occur.

Capabilities and Services

Retirement Income Planning Services
Drawing upon my experience as a CERTIFIED FINANCIAL PLANNER™ professional and holding the Certified Plan Fiduciary Advisor, CPFA designation, I can analyze your current retirement contributions and help you determine whether you are on track to retire when you want, and in the way you envision, as well as recommend a retirement plan solution for your business and employees. I can assist with 401(k) rollovers and implement a strategy that helps to provide a predictable income stream upon retirement. These are complex choices and should be considered with care and thorough planning.

Solid Financial Foundation
Meeting your specific needs and achieving your objectives may involve a range of financial strategies and structures, combined in a single holistic, integrated strategy. Life insurance used strategically is a key tool in wealth structuring. Insurance can also help you address needs and concerns that may be hard to plan for using traditional investments, including family protection, disability, long-term care needs or legacy goals and wealth transfer strategies. Using the estate planning services of Bank of American, we can review your current situation and recommend a well-integrated insurance strategy to help safeguard what you care about most.

Solutions for Business Owners
As a business owner, you may face the challenge of balancing your business’ needs with your individual retirement planning needs. Figuring out the best way to prepare for a fulfilling retirement requires thoughtful planning and consideration of your needs as an individual and as a business owner. I can help successful people like you manage your business and personal finances as two parts of an integrated whole, knowing that your life and your life’s work are inextricably linked. My wealth management process takes the time to gain an in-depth understanding of your goals and your business both at work and at home.

Concentrated Stock Position
Holding a major portion of your portfolio in a single stock, whether accumulated as part of your equity compensation or as a large inheritance, can present portfolio risks. To preserve and grow wealth over the long term, it is important to understand the risks, as well as the strategies available to help manage these risks. I can offer guidance on how utilize these strategies to help mitigate portfolio risk and monetize concentrated stock positions.

Access to Banking, Lending and Trust Services Through Bank of America, N.A.
Trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers an integrated approach to help clients manage all of the pieces of their financial lives.

Working together with the Bank of America Wealth Management Banking and Lending teams, I can provide strategic and personalized banking guidance focused on your needs, as well as draw upon an expansive array of lending solutions designed to fit into your overall financial strategy.  Best of all, smart use of borrowing can help you stay on track and maintain a disciplined approach to managing your wealth while still giving you access to cash when you need it.

Whether you’re creating a trust as part of your own estate plan or serving as a trustee or executor for someone else, Bank of America Trust Services can help simplify your life, give lasting meaning to your wealth, and help prepare for future generations.  Having served generations of families, Bank of America Trust Services has the knowledge, resources and experience to handle trusts and estates with sensitivity and care.

*You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment(particularly with reference to employer stock), and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information, speak to your Merrill Financial Advisor.

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

Wealth Management Process

Connecting the Pieces of Your Financial Life
A wealth management process designed to deliver clarity, intelligent portfolio diversification and adaptability is the goal. My process is designed to work collaboratively with you to deliver a customized, consistent experience that goes beyond portfolio management. I am committed to learning what is important to you and your family, asking the right questions and applying the right tools, services, and strategies to help ensure your assets last throughout your retirement. I will stay in constant communication with you, seeking to stay abreast of changes in your life, as well as in the markets and economy which may require making adjustments to your wealth management strategy. I will work hard to bring all the pieces of your financial life together to help make sure you are well prepared and protected for the future.

Developing Personalized Strategies
The investment environment is constantly changing, as a result your asset allocation may need adjustment to help ensure that it remains aligned with your objectives. In-depth wealth management planning is not a one-time exercise focused just on your investments, but rather an ongoing process centered on you and your family’s goals and dreams. This process coordinates insurance needs, risk assessments, family dynamics related to finance, tax planning, retirement planning, evaluating social security options, retirement healthcare costs, and estate planning considerations. I will work with your CPA, estate and/or tax attorney, and other specialized professionals are consulted as an integral part of the planning process. This gives you and your family a coordinated approach to your entire financial situation.

In addition to financial strategies, I can assist you with an insurance review, credit and lending analysis, net-worth analysis, cash-flow budgeting, insurance, risk mitigation and liability management, stock option strategies, education funding, and business succession planning.

Staying on Track
When it comes to your family’s financial well-being, the choices you make - or don’t make - have impact not only in the present, but also the future. Of course, no one can predict the future, but working with a CERTIFIED FINANCIAL PLANNER™ professional, can guide you with being better prepared for what the future may hold. From the initial meeting to the ongoing regularly scheduled portfolio reviews and investment planning meetings, I will continue to communicate with you throughout the process to learn and gather more relevant information assessing your goals, risk tolerance, retirement income needs, and family dynamics. I seek to provide confidence in good markets and bad, making adjustments to portfolios as is necessary.

Investment Management

Straight Forward Advice—The Insight You Need
Research is at the core of the investment decisions. Drawing upon my experience and the expertise and insights from BofA Global Research and Merrill Chief Investment Office’s (CIO) global team of industry analysts and investment professionals spanning every region, sector and asset class, translates into actionable ideas and informed investment decisions.

The goal is to build a financial strategy that reflects your unique needs, priorities and financial situation, not to adopt a one-size-fits-all investment philosophy but a flexible approach that takes into account the realities of the markets as well as the goals and preferences of each client. My investment process is designed to accommodate the unique circumstances of the individuals, families and business owners.

Portfolio Management
Asset allocation is at the heart of a consistent disciplined investment plan, and the wealth management process is a critical component of any strategy. My investment approach embodies a philosophy that doesn’t fear the unexpected but plans for it.

My process uses a personalized, goals-based and proactive investment approach incorporating the CIO’s strategic and tactical asset allocation guidance, and leverages the depth, diversity and flexibility of Merrill’s investment platform. The objective is to develop a personalized portfolio strategy based on your investment objectives, risk tolerance, time horizon and liquidity needs, designed to help you achieve your financial goals over time and through changing market environments. My primary objective is to achieve an efficient portfolio return to accomplish your goals while minimizing portfolio risk.

Changes in life can require changes to your strategy. Whether it’s small or significant event, my process evaluates market events through the lens of your goals to track your progress and to proactively adjust your strategy based on new information.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation.