Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
Expert panelists explore how the rest of the year may be shaping up for the economy and the markets — and highlight the longer-term forces transforming our lives.
As a Merrill Lynch Wealth Management Advisor, I focus on connecting all aspects of clients’ financial lives to help them prioritize and pursue the goals that matter most to them.
We believe that critical decisions are made confidently when you are organized, informed, and disciplined. Our team’s process builds that confidence by simplifying the financial lives of successful, goal-oriented professionals and their families.
It is critical that we understand how you prioritize success, articulate exactly what is important to you, capture that in a written plan, and then make it simple to execute the steps that lead to success, both in the near and long term.
When we think about organization, we consider three things:
1. The Financial Health of a Household - We account for all of your assets and liabilities, and summarize them both on paper and digitally. This personal balance sheet will allow your family to evaluate your overall financial position and serves as a guide to determine liquidity, intelligent working capital, current and future cash flow, and the most efficient use of debt.
2. Keeping more of what you earn - Taxes can have a meaningful impact on investment returns and outcomes. Placing investment strategies and securities in the appropriate account structure – whether it be a taxable, a retirement or a trust account - can reduce the tax drag on portfolios. That way, clients can keep more of what they earn.
3. Establishing and maintaining alignment with the long-term goals - Estate Planning is too often considered legacy planning; it can be, but it also protects your present state, strategically keeps money from landing in the wrong place, and is a safeguard should anything catastrophic happen.
The result of formulating and executing a thoughtful plan is that you will feel confident that are on the right track to achieve your articulated goals. You will have a feeling of control in your decision making, because you can measure the impact; and you should also get assurance when this happens, knowing that you are on the right track.
Babson College MBA
University of North Carolina at Chapel Hill
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
Alternative Investments Regional Specialist
Bank of America, N.A.
Wealth Management Lending Officer
Bank of America, N.A.
Bank of America, N.A.
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 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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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Your advisor is a click away within our site or mobile apps
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Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I 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.
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.
We put you first, every day.
We will work to help you stay on track, regardless of what the markets are doing.
We get to know you and your family, your financial situation and what matters most to you.
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.