Taking care of your family and other people in your life
- Trust & Estate Services4
- Education Funding1
At Boyd Britton and Pope Wealth Management, we have a proud 20-year story that continues to be told. It revolves around the specialized needs of an impressive clientele – generations of successful individuals and families, as well as non-profit organizations and other institutions.
Our nationwide practice has grown from the introductions we’ve received to clients in 35 states. This, we believe, reflects our reputation for being a “comprehensive and caring resource” of customized retirement and investment planning, risk management and wealth planning strategies, legacy, charitable and estate planning services, and liability management.
Our success also reflects our track record and the loyalty of clients. Having managed their money and emotion amid the volatility of 2000, 2008 and 2020, we feel good knowing that virtually all of those clients remain with us today. We believe that’s due in large part to our enlightened perspective on mitigating investment risk and helping clients follow the strategy we’ve mutually agreed upon.
Who do we serve? Men, women, organizations, and corporate entities distinguished for their accomplishments and values. They include executives in the sports and entertainment industries, entrepreneurs and business owners, attorneys, physicians and other medical professionals (and their practices), their extended families, churches and other non-profit organizations, companies and pension plans.
We characterize our offering as a rich repository of knowledge and best practices. Each day, we formulate multi-pronged strategies as sophisticated as the challenges facing our clients. Privacy is a pillar of our offering. Still, the knowledge we’ve gained throughout our careers creates lessons from which clients can learn and prosper.
With more than 100 years of combined wealth management experience and a shared passion to serve
clients’ best interests, we know that the value of an advisory team extends well beyond “dollars and
cents.” It’s best measured over time, by the delivery of highly professional and purposed financial
strategies – offered with an authentic, personal touch. We are fully invested in supporting our clients and
welcome the opportunity to serve you, as well.
At Boyd Britton and Pope Wealth Management, we believe that effective wealth management is a process, not an event. Our mission is to be a steady and insightful resource, helping clients to accumulate, preserve, organize and structure their wealth in ways that bring meaning to their years of hard work.
Experience tells us to be “goals-based” advisors, which means we do not guide clients with our eyes on arbitrary industry benchmarks. Instead, we take time to look closely at clients and see them as people, not portfolios. To do our jobs well, we want to know what’s on a client’s mind and in their heart. What are they passionate about? Who are they responsible for? And why have they come to us?
From the outset of each relationship, we help clients explore and prioritize their most cherished goals for themselves and the people they love. By asking questions and listening more than talking, we help clients identify the purpose of their wealth, so that the strategy we formulate can help them feel confident in its pursuit. Rather than being a one-time event, this process continues over time, to address what clients envision in the near future and later, for their children.
In addition to clients’ goals, we look for holes in their financial pictures – areas that may have been ignored previously. Most often, they include liabilities, protective components such as insurance, as well as wills, trust documents, or just updating beneficiaries. There are no shortcuts to what we do. Typically, we have several conversations with clients before ever discussing investments. Why? Because we want to be sure that a client is as comfortable with us as we are in developing a plan that reflects their real-world goals and concerns.
From our offices In Baltimore, Washington D.C., Chicago and New York, we deliver proactive and professional guidance in person, by phone, email and WebEx. And as a “first call” for clients, we encourage their questions about any financial issue they have.
Inspired by our clients, we find that many seek financial freedom. Most are quite busy with careers and families. As dedicated stewards of clients’ wealth and wishes, we feel privileged to provide the vast resources of a global financial institution and a boutique-like wealth management experience.
At Boyd Britton and Pope Wealth Management, we serve clients at every stage of the wealth continuum. Like us, these individuals are “young and older.” As a multi-generational group of professionals, the ability of our team members to build enduring relationships with clients, their spouses, parents and children occurs naturally. With advisors spanning multiple generations, we can ensure a seamless continuity of strategy and service.
Our clients have distinct talents and visions. They include executives in the sports and entertainment industries, entrepreneurs, founders and owners of private companies, attorneys, physicians and other medical professionals (and their practices), members of the clergy, and generations of families. We also bring a special level of care and consideration to retired clients and those recently widowed and divorced.
While each client is unique in their situation and ambitions, most voice concern about having enough money for a rewarding retirement, capital for their business, or leaving a family or charitable legacy. Through candid conversations, we share our own stories and lessons learned – helping clients “see around corners” to prepare financially and emotionally for what they envision.
On any given day, we advise and guide clients across multiple areas of wealth management – risk and asset management, investment planning, retirement income planning, trust and estate planning services, wealth transfer and charitable planning, and liability management. In all discussions, we seek to simplify complex matters – distilling facts and figures into easily understood recommendations. By educating clients, they are better able to follow the strategy we’ve put in motion.
To drive our investment recommendations, we take cues from the belief and value systems of our clients, as well as their goals, tolerance for risk, investment timeline, and liquidity needs. Utilizing our firm’s outstanding research capabilities and informed by the Chief Investment Office, we diversify portfolios across asset classes – typically, with equities, bonds and alternative investments*.
Beyond risk-managed investing, we look to optimize both sides of clients’ balance sheets – assets and liabilities. In addition to residential lending, we offer access to securities-based and structured lending through Bank of America, N.A. We also work closely with clients’ CPAs and attorneys to align tax minimization and estate-planning strategies.
Ultimately, the referrals we receive tell us we’re proficient in assisting clients with straightforward financial needs and others whose complex financial lives demand sophisticated strategies. As a high caliber team, we are devoted to addressing the needs and nuances of accomplished people – allowing them to focus energy on their careers, families and communities. Results and relationships matter to us – and to the generations of clients we serve.
At Boyd Britton and Pope Wealth Management, we have extensive experience serving non-profit organizations (including foundations, endowments, churches and faith-based organizations) and small corporations (including their defined contribution and benefit plans).
Based on our strong competencies, we are familiar with many of the fiduciary challenges and pitfalls faced by investment committee trustees, including rotating board membership, limited investment options, and limited manager transparency.
Each of our team members is passionate about helping clients strengthen and grow their organizations, and helping institutions fulfill their goals and missions. We offer extensive experience in helping values based investors identify and examine areas of interest they might wish to address, including investments based on religious values, human rights, environmental quality and health care. Once specific areas are
discussed and agreed upon, we can build portfolios of investments that support those values.
For pension plans, we believe that liability-driven investing, compared to traditional investing, may be a valuable way to stabilize funding through market cycles. Additionally, we strive to help pension plans pursue greater stability in areas including required contributions and balance sheet impact. Oftentimes, we also provide cash management and assistance in building retirement plans.
As part of our plan design process, we provide access to services that assist in formulating investment policy statements, conduct vendor search, offer investment selection, and enroll and educate participants. We provide overall supervision and establish a disciplined review process to document results and keep plan sponsors in compliance with Department of Labor regulations.
To support our efforts, our firm’s resources are structured to help meet the specific needs of each organization or company in ways that make sense – strategically, operationally and financially.
Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
Boyd Britton and Pope Wealth Management is supported by talented specialists who have experience working with institutions and share a strong commitment to guiding investment programs and strategic decision making.
When you work with Boyd Britton and Pope Wealth Management, you benefit from the experience and knowledge we’ve gained from working with many institutions across the nation. We’ll bring all the latest thinking, insights and research from across Bank of America Corporation:
Bank of America Global Commercial Banking (GCB) provides a full range of commercial banking services to help your organization meet today’s challenges head- on and fuel sustainable growth. Bank of America specialists are committed to providing institutions like yours with banking solutions, including cash management and lending while investment solutions are provided by Merrill. GCB offers institutions solutions designed to help increase cash flow, streamline benefits plans and expand geographically. GCB brings clients the full capabilities of Bank of America Corporation and its affiliates paired with local service.*
Merrill Lynch Wealth Management (MLWM) provides access to market knowledge and financial experience. Merrill can help your organization make decisions that are appropriate for its needs and goals. Our education and insights can help your organization understand what’s driving today’s markets and tomorrow’s potential global opportunities. MLWM serves clients across the wealth spectrum, with personal advisor relationships that helps each individual investor plan for and pursue their unique financial goals.
* “Bank of America” is the marketing name used by certain Global Banking and Global Markets businesses of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.
“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.
The retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer, are important to you. We offer the solutions your employees may need to help pursue their financial goals and maintain financial wellness. Our array of resources and experience is designed to help meet your employees’ financial needs in ways that make sense for your company — strategically, operationally and financially. You and your employees will have a team of experienced and passionate advocates for financial wellness on your side. Our team will make your priorities their own so you can focus more on your business.
Your role as a plan sponsor is more challenging than ever, and it’s not something to face alone. We bring the resources and thought leadership from Bank of America Corporation and its affiliates to bear in helping you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier. We can help you focus on the areas that may be helpful to plan success, including Fiduciary Advisory Services 1 and Education and Plan Services 2 appropriate for your plan.
1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). Merrill offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.
2 Education and Plan Services are non-fiduciary services required for Advisor Alliance clients and optional for MLII clients.
3 IPS service is not available for FAS Discretionary. The plan sponsor is responsible for the approval and final adoption of the IPS.
All our efforts revolve around helping your employees pursue their goals. With Bank of America Corporation’s long legacy of service excellence, we take a holistic approach to helping your employees connect their life priorities and financial priorities—in and beyond their benefit plans. By broadening our view to include an employee’s entire financial picture, both in and out of plan, we believe we can help your employees better manage and gain control of their finances.
Personal Retirement Strategy is an online investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Inc. (“MLPF&S” or “Merrill”) that uses a probabilistic approach to determine the likelihood that participants in the program will accumulate sufficient total assets to achieve their annual retirement income goal. The recommendations provided by Personal Retirement Strategy may include a higher level of investment risk than a participant may be personally comfortable with. Participants are strongly advised to consider their personal goals, overall risk tolerance and retirement horizon before accepting any recommendations made by Personal Retirement Strategy. Participants should carefully review the explanation of the methodology used, including key assumptions and limitations, as well as a description of services and related fees, which is provided in the Personal Retirement Strategy Brochure (ADV Part 2A). It can be obtained through Benefits OnLine or through the Retirement Benefits Contact Center.
Advice Access is an online investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Inc. (“MLPF&S” or “Merrill”) that uses a probabilistic approach to determine the likelihood that participants in the program may be able to achieve their specified annual retirement income goal and/or to identify a potential wealth outcome that could be realized. The recommendations provided by Advice Access may include a higher level of investment risk than a participant may be personally comfortable with. Participants are strongly advised to consider their personal goals, overall risk tolerance, and retirement horizon before accepting any recommendations made by Advice Access. Participants should carefully review the explanation of the methodology used, including key assumptions and limitations as well as a description of services and related fees, which is provided in the Advice Access disclosure document (ADV Part 2A). It can be obtained through Benefits OnLine or through the Retirement Benefits Contact Center.
Merrill offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select.
IMPORTANT: The projections or other information shown in the Advice Access program regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.
We believe it is important that you take positive steps toward your financial future, and that means getting more than just investment advice. We take the time to get to know you and your family, your financial situation and what matters most to you. Using an understanding of your life and priorities as a foundation, we can work with you to build a goals-based financial approach.
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.
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
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.
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.
We believe that your investments should be a reflection of you — your life, your priorities, your goals. As your dedicated advisor we will get to know what matters most to you and help you define your goals. We use this understanding to help you build a customized financial strategy and offer consistent, personalized advice. Combined with professional management, you can stay on the right path towards pursuing your long-term objectives.
Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:
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.
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.
Our wealth management process begins by getting to know you and understanding your goals. We start by developing a thorough understanding of what you value most, your risk tolerance, time horizon, liquidity needs, and what your goals may be. In our one-on-one discovery meetings with you, we draw on the analytical skills and deep experience of our advisor team to review your portfolio and objectives so that we can work closely together to create a financial approach that helps you pursue your goals.