Kobelski Group

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Kobelski Group

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Merrill Lynch
Wealth Management
As the primary wealth management resource for an accomplished clientele, we help them prosper personally and professionally –
in ways they don’t often expect.

Kobelski Group

WELCOME


At The Kobelski Group, we have profound respect for people whose achievements and values have brought them wealth and wisdom. For decades, we’ve served a growing number of clients like these – ambitious women and men in Massachusetts and more than 20 other states.

Led by Todd Kobelski – named to the Forbes “Best-in-State Wealth Advisors” List* in 2019 – our team assists highly accomplished individuals at well-known financial institutions and prestigious universities, as well as veterans transitioning to civilian life, retired couples, and members of traditional and non-traditional families.

Why do clients come to us? Many are approaching retirement and want a better idea of what those years can look like. Others face a multitude of decisions – reaching a point where the complexities of their financial pictures require an extra measure of sophisticated advice and guidance. The fact is, we do our best work for clients who can benefit from our rigorous planning-based approach – one that is ongoing, to reflect changes in their lives and market conditions. 

 Working with both spouses whenever possible and traveling to see clients when helpful, we deliver the vast resources of our entire firm – to help address distinct areas of their financial pictures – from investment and liability management, to retirement, education and trust planning. We also explain the pros and cons of alternative strategies for Social Security and long-term care funding.

 With no cookie-cutter clients, we do not provide cookie-cutter strategies. From the outset, we aim to create a highly personalized and proactive dynamic. With thought-provoking questions and active listening, we dig deep to appreciate a client’s most significant priorities, goals and fears – from creating a meaningful legacy for their children, to caring for a spouse or elderly parent. Catering to each client’s needs, we craft long-term, tax-sensitive strategies using Merrill models, research and due diligence. 

 At The Kobelski Group, we recognize that successful people can choose from among thousands of advisors. We also know that our own diligence and performance helps our clients focus more squarely on their families and careers. We have families, too. Given the opportunity, we look forward to to helping optimize your wealth, so that you can enjoy the people and passions in your life.
 

 ENHANCING YOUR WHOLE BALANCE SHEET

 At The Kobelski Group, we are highly skilled and motivated to identify needs and opportunities on both sides of your balance sheet. Our numerous contacts at Merrill and Bank of America, N.A. include banking, trust and small business specialists whom we frequently “bring to the table.” 
 
As our client you can expect that we will:

• Examine (and re-examine) your full financial picture – including areas that may have been previously ignored. To help enhance your financial wellness, we may scrutinize your liabilities (including mortgages, other loans and credit card debt), tax liabilities, insurance coverage, and estate planning documents.

• Help you use debt wisely. We can help you purchase a home for yourself or your children by giving you access to mortgage lending and bridge loans through Bank of America, N.A. when the purchase of one home may precede the sale of another. We can also introduce you to specialists for commercial lending, expansion financing, and cash management.

• Coordinate with internal trust specialists – or your own attorney, if you prefer – to provide estate-planning services that align with the overall strategy we build on your behalf.

When it comes to investing, we do more than diversify your holdings across asset classes. It is incumbent on us to understand your experience with investing, comfort with risk, need for liquidity, current expenses, cash flow needs and more. As long-term investors, we do not try to hit “home runs” with speculative opportunities. Instead, we use internal and external research along with Merrill investment models to help minimize risk, costs and tax consequences – and bring about realistic financial outcomes. 

 In everything we do, we strive to present recommendations clearly and simply. We are here to help – not show you how much we know.
 
 
SERVING AN IMPRESSIVE CLIENTELE

At The Kobelski Group, we are proud to bring our energy and experience to a loyal clientele at every stage of the wealth continuum.

While diverse in their accomplishments, most clients are highly educated and financially astute. They include senior-level executives at well-known financial institutions, faculty and administrators at prestigious universities, veterans transitioning to civilian life, retired couples, widows and generations of traditional and non-traditional families residing in Massachusetts and more than 20 other states.

 With their financial affairs in constant motion, we offer a high-functioning team whose capabilities and attention to detail are significant. Given our heavy emphasis on planning, it is our practice to consider the broader canvas of clients’ lives for each recommendation we make. With an intimate understanding of how clients view their wealth and the world, we are well positioned to help them prepare for circumstances they anticipate and those they don’t. 

 Experience has shown us the benefits of considering clients as “client families” For that reason, we aim to work closely with you and spouse, perhaps, or your grown children and others you designate – on matters related to wealth transfer, trust and estate planning. And because wise financial habits should be taught to your children, we can talk to them about the responsibilities of wealth, saving often and investing early.

 Our goal? To help clients achieve what dollars and cents alone cannot – the satisfaction of feeling comfortable in having wealth and its enduring benefits. These fundamental pillars of “financial wellness” are critical to our highly personal approach. By doing our jobs well, we help clients work and play hard, rest easily.

Philosophy

We believe the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop strategies designed to help address your financial needs.

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment we can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Your approach to investing

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 strategy 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.

Understanding your goals and priorities

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

Capabilities

Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investment management. Our ability to provide access to the investment insights of Merrill, as well as banking, trust and fiduciary services from Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with strategies for transferring wealth to the younger generation.

Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.

 

Recognition

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

Todd M Kobelski

Forbes “Best-in-State Wealth Advisors”  2019

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.

Timothy Fitzpatrick

Timothy Fitzpatrick

Internal Insurance Specialist

Victor W Diune

Victor W Diune

Trust Specialist

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Peter Gray

Wealth Management Lending Officer NMLS # 1287258

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to 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.

    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 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

      *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. Merrill Lynch Wealth Management 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 Wealth Management 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 Wealth Management Advisor.

      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, 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.