Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

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Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

Watch now

Merrill Lynch

The McGraw, Sharp, Band, Dell & Kirk Group

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Merrill Lynch
Wealth Management

We are proud that so many of our client relationships span multiple years and several generations. We believe that this is a testament to our insightful advice and guidance, integrity and professional, personalized service. Every member of our team focuses on getting to know clients and helping to address their needs.

The McGraw, Sharp, Band, Dell & Kirk Group

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Extensive capabilities focused on you and your values

The McGraw, Sharp, Band, Dell & Kirk Group is a multidisciplinary team of skilled financial professionals providing personalized wealth management to affluent clients across the country.

Our team works with and for high-net-worth families and individuals, including corporate executives, business owners, entrepreneurs and professionals. We also serve a number of private and public companies that offer employee benefit plans, such as retirement savings and equity compensation plans.

Team members devote considerable time and resources to understanding a client's financial position and priorities.

What do you value most? What are your dreams and hopes for the future?

We strive to help clients simplify their financial lives, devising wealth management strategies designed to help them navigate each stage, from wealth accumulation to wealth transfer.

The entire team is committed to providing high-touch service along with the worldwide resources and investment insights of Merrill Lynch Wealth Management and access to the banking convenience of Bank of America.

Our goal: To be the one source you can turn to for your wealth management needs.

Insightful wealth management for pursuing your goals and aspirations

We are dedicated to providing outstanding wealth management tailored to your individual financial circumstances and vision for the future.

Understanding

Our team spends considerable time and energy meeting with you and asking questions to discover as much as we can about your needs, values and aspirations. The strategy we propose, and the diversified portfolio of investments that power it, are based on what we learn.


Process

Wealth management is a process, not a collection of investments. We apply our considerable experience to helping you define your objectives and clarify your financial vision before we recommend any investments. And we conduct regular reviews with you to help keep your portfolio aligned with your evolving personal and financial situation.

Service

Our entire team of financial advisors and client associates is dedicated to responding to your requests, answering your questions and addressing your needs quickly and efficiently.

Integrity

We take very seriously our responsibility as financial advisors. We appreciate that you look to us for advice and guidance on matters that are truly important to you and your family, and we strive to be candid and clear in every communication we have with you.

We gauge our success by the progress you make toward your goals

We employ a disciplined process that is based on three key elements:

  • A focus on your long-term goals, not short-term investment results
  • An investment approach compatible with your investment personality and tailored to your individual goals, time horizon, liquidity needs and tolerance for risk
  • Optimization of your resources

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Services addressing your unique needs

We offer a broad range of services and capabilities to address the different aspects of your financial life.

  • Goals-based wealth management and strategies
  • Retirement planning services—help with generating growth to fund your retirement while creating a legacy for the next generation
  • Corporate executive services—assistance with complex compensation issues, including the optimization of deferred-compensation plans, restricted stock grants and options, and the development of concentrated stock strategies aimed at mitigating the risks while minimizing tax obligations
  • Multigenerational relationships—educating children and grandchildren on managing their finances, organizing family meetings and collaborating with clients' other professional advisors on such matters as gifting strategies, insurance needs and legacy planning
  • Wealth transfer strategies—coordinating with attorneys and Bank of America and Bank of America Private Bank specialists to provide access to estate planning services that may involve generation-skipping and living trusts, wills and powers of attorney, and family limited partnerships
  • Education funding services—developing strategies for funding the higher-education expenses of children and grandchildren that may include such elements as custodial and tax-deferred investment accounts
  • Access to credit and lending—acting as a gateway for you to Bank of America for credit services, loan arrangements, home financing and cash management solutions
  • Alternative investments—for certain qualified investors, and where appropriate, incorporating alternative investments in our asset allocation recommendations to help enhance portfolio diversification and mitigate volatility
  • Tax minimization strategies—working with your tax professionals along with Bank of America specialists to structure strategies designed to help mitigate the impact of taxes on current and future income and your estate

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

  • We want clients to feel that they are well cared for and there's continuity with each member of our team.Brian Sharp | Senior Vice President | Senior Financial Advisor
  • In our first meetings, we rarely address investments. We want to find out what clients want to achieve with their wealth. In some cases, we've found that people have been investing for the sake of investing, with no clear rationale or purpose in mind. Our job is to uncover their goals and discover what's important to them. Everything we do is focused on clients' goals.Adam Band, CRPC® | Senior Vice President | Senior Financial Advisor
  • We focus on helping clients grow and preserve their capital. We assist them in creating strategies for funding retirement and the education of children or grandchildren. With access to the global investment resources of Merrill and the banking convenience of Bank of America, our group can offer quality advice and guidance supported by the innovative-thought leadership that can come only from an organization of such depth and scale.Scott McGraw, CFP® | Senior Vice President | Wealth Management Advisor

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Scott M. McGraw

Forbes "Best-in-State Wealth Advisors" 2021 and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Adam F. Band

Forbes "Best-in-State Wealth Advisors" 2021 and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Brian W. Sharp

Forbes "Best-in-State Wealth Advisors" 2021 and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Meet the Team

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

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.

Carolyn F Grant-Suttie

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #652345

Michael K Costo

Retirement Specialist

Bank of America, N.A.

John Davenport

Wealth Management Banking Specialist

Merrill

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 we can help you create a financial approach that reflects your personality. Only then can we 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.


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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 Wealth Management Advisor.



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      Transcript of Video 

      No question too big or moment too small

      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      Personalized advice from a dedicated financial advisor.

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

      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.

      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.