Our Global Perspective

At The Mejia & Hernandez Group, the scope of our service is as wide as the visions of our clients. In fact, we often say, “Nothing is beyond our examination. Going the extra mile for clients is never going out of our way.”

When asked, we characterize our offering as a rich library of knowledge and best practices. Privacy is a pillar of our offering. Still, we learn from strategies that have helped others in similar situations and bring that knowledge to our clients. when helpful. 

In addition to keeping our hands on the pulse of geo-political, economic and social conditions that can affect a client’s wealth and wishes, we do everything possible to stay current with the details of a client’s financial and personal life. While that may sound surprising, we remind clients that, for example, “Their biggest risk could be a child about to get married.”

For this reason, we try to establish a highly personal dynamic with the key members of the family. Encouraging frequent discussions – separately and together – we ask about new situations and considerations that may affect the family’s goals and objectives.

Beyond building a personal rapport with clients, our highly analytical approach allows us to uncover opportunities and areas of weakness. For us, “consolidation” is a key word. It describes our devotion to examining a client’s entire financial picture across multiple ventures and countries.

We also pay close attention to a client’s trust circumstances and how wealth can transition efficiently to future generations. Looking at the structure of client’s wealth – in the U.S. and offshore – we may suggest meeting with a client’s legal or accounting team to identify issues that need to be addressed. Only after this degree of diligence do we feel confident in building a long-term wealth management strategy for each client – one that employs tax-advantaged considerations and is designed to help insulate a client’s net worth from market conditions, lawsuits or frivolous spending.   

Acting much like a family office, we are structured to provide white-glove service that’s appropriate to opportunities and challenges facing our clients. We also assist from simple checking and savings accounts to the complex multi-country, multi-generational and corporate structures.

Serving an Elite Clientele

At The Mejia & Hernandez Group, our clients have lives and money in motion across borders and time zones. To address each client’s distinct needs and objectives, we connect to them in very personal ways – with an exceptional degree of patience, respect and understanding.

While preserving wealth and quality of life are the primary goals of clients, we find that most also want to grow their assets without undue risk, in order to benefit future generations. While clients’ financial objectives are always critical, we remind them to leave memories, not just money – that it’s important to find joy along the path to meaningful outcomes. In these conversations, we ask what clients may define as their life’s most rewarding moments to date.

We also care deeply about the mental and physical wellness of clients. Whether they or a family member is dealing with cancer, Alzheimer’s or is struggling emotionally, we are innately considerate and empathetic – listening and looking for ways we can be of service. Our sole purpose is to care for clients and their families.

Each day, we build and track wealth management strategies as sophisticated as the clients we serve. Delivering unwavering attention and commitment, we are committed to staying close with clients and their loved ones.

Ultimately, clients’ priorities become our priorities, be it a life event, a liquidity event, or a situation that may threaten the stability of their wealth. And whether we travel to see clients or talk by phone at their convenience, we’re ready when they need us – with an authentic appreciation of who they are, where they stand, and how we can stand behind them.

Given our relationships with clients and the resources we employ from a powerful global entity, we believe it’s impossible to duplicate what we offer. Results and relationships matter to us – and especially, to the clients we serve.

Approach

Every relationship begins 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.

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 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 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 approach.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

• 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.