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The McGraw, Sharp, Band, Dell & Clark Group

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Merrill Lynch

The McGraw, Sharp, Band, Dell & Clark 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 & Clark Group

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Extensive capabilities focused on you and your values

The McGraw, Sharp, Band & Dell 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 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 investment 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 investment 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

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.

James Brennan

James Brennan

Trust Specialist

Bank of America, N.A.

Carolyn F Grant-Suttie

Carolyn F Grant-Suttie

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #652345

Michael K Costo

Michael K Costo

Retirement Specialist

Merrill Lynch

Your Financial Approach

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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

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.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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.

      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.