ROCHE HANS ORDERS GROUP

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Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Where do we begin? It starts with you.

At Merrill Lynch, 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

Wide Experience and Diverse Skills Applied to Your Wealth Management Needs

The Roche Hans Orders Group has been helping affluent clients pursue their financial goals through personal service, knowledgeable advice and guidance as well as disciplined investment management for more than four decades. Located in Baltimore, Maryland, we have more than 120 years of combined financial service experience at Merrill Lynch.

During our long tenure in the industry, we have witnessed a variety of markets and economic landscapes. The lessons we have learned have proved invaluable in guiding clients through today's complex, ever-changing investment environment. In addition to substantial real-world experience, we hold a number of professional credentials that enable us to develop a broad perspective on your wealth management needs. Team members work together, each one contributing individual skills and knowledge, to create strategies designed to help you pursue your goals.

Our value to you extends beyond investment management to the highly personalized services and strategies we offer. We are dedicated to helping you take care of your financial well-being so you can concentrate on your life goals.

Extended Capabilities, Specialized Services

We follow a goals-based wealth management approach that encompasses asset accumulation, risk management, tax minimization strategies, retirement planning services and wealth transfer. Whether we're helping you with investing, with streamlining your cash and debt strategies or with managing your retirement income streams, our goal is to assist you in pursuing your objectives.

Discretionary Portfolio Management—Many investors do not have the time or inclination to make the day-to-day decisions necessary to navigate today's fast-moving markets. In addition, markets are not behaving the way they used to, and confidence is scarce. Rick Hans, Andy Weltlinger and James Orders are specially qualified to manage discretionary investment strategies suited to your unique needs and goals. This discretion allows them to respond to market changes, price volatility and global events, as well as your personal circumstances, to help you stay on track to meet your financial goals.

Retirement Planning Services—Using Merrill Lynch's sophisticated retirement planning tools, we can help you determine how much money you may need to retire when and how you wish. We analyze the likelihood of your achieving your retirement goals and then use that information to suggest an appropriate investment strategy. We are also experienced in advising individuals and businesses on setting up and administering qualified retirement plans, including defined-benefit and defined-contribution plans.

Privately Owned Businesses—We understand entrepreneurs and can provide them with access to valuable products and resources for addressing every aspect and phase of their business. Through Bank of America, we can access specialists to help business owners with managing traditional senior debt, mergers and acquisitions, raising capital and evaluating alternative exit strategies.

Corporate Executive Complexities—We can assist executives in handling the risk inherent in equity awards and concentrated stock positions, for which we may suggest using certain hedging strategies. Additionally, we can help develop trading strategies for restricted stock using exchange-traded funds, selling programs and block trades.

Estate Planning Services—A well-defined wealth transfer strategy can help you preserve your assets and see that your personal wishes are fulfilled. In coordination with your other trusted advisors we can assist you with insurance strategies and, through resources at Bank of America, we can help you with trusts and philantropic solutions designed to reduce your estate tax liability.

Credit and Lending—We can provide access to Bank of America services designed to help you meet your personal cash management and borrowing needs with a variety of credit strategies, loan arrangements, home loan refinancings and cash management solutions.

Education Funding—We can suggest investment vehicles and tax minimization college planning strategies, such as college savings plans and custodial accounts, for your children and grandchildren.

 

Helping Turn Your Vision Into Reality

Our experience has shown us that no two clients—or their financial situations—are alike. Everyone has a unique set of challenges, needs and motivations, and the strategies we create for you are tailored to your individual requirements.

Our approach to wealth management is client-centric. We begin our consultative process by sitting down with you to ask about your goals and fears, both financial and personal. We want to know not only what is important to you but why.

In addition to your history, priorities and aspirations, we gather information about your total net worth, including your assets and your liabilities, your objectives, liquidity needs, time horizon and risk tolerance. Managing both sides of your balance sheet can help you bring the various pieces of your financial life together into an integrated whole. Based on what we learn, we help you develop customized wealth management strategies that take into consideration where you are financially today and where you hope to be in the future.

Helping you manage your investments is just the beginning. We want to become a valued resource for you, your family and future generations.

A Strategic and Diversified Approach to Investing

We focus on long-term results, not short-term market swings. We guide you in developing portfolios that can help see you through different market environments and phases of the economic cycle. This enables you to spend more time enjoying your wealth and less time worrying about short-term market conditions.

We are strong believers in diversification—among and within asset classes, between growth and value styles and across countries. A portfolio that is strategically balanced among domestic and foreign stocks, bonds, cash and other instruments expands the universe of asset classes in your portfolio. We believe that this can help reduce the risk of wide swings in your portfolio's value while allowing it ample opportunity to grow. We may also recommend including nontraditional assets when appropriate, because their low correlation to the stock market may help reduce risk.

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Our investment approach rests on four key principals of risk management:

  • Downside risk management—We seek to lessen downside risk while simultaneously positioning your portfolio to take advantage of the potential for long-term positive returns. We believe that successful investing is more about avoiding losses than seeking outsized gains.

  • Global diversification—To help reduce the effects of volatility and inflation on your returns, we suggest that you consider broadening your array of investments to include ones tied to foreign as well as domestic markets.

  • Flexibility—Rather than adhere to a strict buy-and-hold philosophy, we strive to help your portfolio respond quickly to market changes, price volatility and global events, so that it can take advantage of opportunities that might enhance your asset preservation and growth.

  • Hedging—We may recommend using various instruments to hedge against adverse price movements.

  • Research is essential to our approach. We use the well-respected research of BofA Merrill Lynch Global Research and other sources to gain perspective on world events and global economics and capital markets. Drawing on the insights and knowledge these sources impart, we can help you make informed decisions about investments and your overall wealth management strategy.


BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. MLPF&S is a wholly owned subsidiary of Bank of America Corporation. Any information presented in connection with BofA Merrill Lynch 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.
Investments in foreign securities involve special risks, including foreign currency risk and the possibility of substantial volatility due to adverse political, economic or other developments. These risks are magnified for investments made in emerging markets. Hedging and monetization strategies can result in higher return potential but also higher loss potential. Prospective investors are required to meet certain qualifications and acknowledge they understand the risks associated with certain hedging and monetization strategies that may not be suitable for all investors.
Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


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We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





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Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.