Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
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 2020 – 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 services. 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.
We believe the best financial approach 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 an approach designed to help address your financial needs.
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 your financial approach 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 and your family.
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 help you refine your investing preferences. Together, we can help customize your investment approach. 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.
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 approach 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.
Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.
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 investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of 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 potential solutions for transferring wealth to the younger generation.
We can offer advice and guidance designed to assist you in making investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We’ll start by getting to know you and how you feel about the following seven life priorities.:
This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Forbes “Best-in-State Wealth Advisors” 2020
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.
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.
Bank of America, N.A.
Wealth Management Lending Officer
Bank of America, N.A.
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.
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 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.
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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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.
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 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.
We will work to help you stay on track, regardless of what the markets are doing.