Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Merrill Lynch

Post & Associates

Wealth Management

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Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.


Our mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you’d like it to be tomorrow. We help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. Our approach is to focus on potential solutions that can help turn goals into reality.


Insightful Advice and Guidance and Responsive, Personalized Attention

Post & Associates works with families, individuals and businesses in Michigan and across the United States. We're proud to have fostered long-term relationships with so many clients who have been with us for years and, in some cases, for several generations. We work hard and strive to earn their trust every day.

You deserve insightful advice and guidance based on a thorough understanding of what you hope to achieve with your wealth. We believe your investment portfolios should be integrated with an overall wealth management strategy that is based on your values, your priorities and your important financial goals.

You also deserve excellent service, and hands-on service is a hallmark of our team. We are committed to exceeding your expectations for responsive, personalized attention. Every business day, from early in the morning until past the closing bell, we are here for you. We are accessible on weekends, as well, by appointment. We want you to feel we have only one client — you.


A Strategy Centered on You

We seek to deliver value to client relationships through a disciplined wealth management process, open communications and a commitment to outstanding client service. Designing a wealth strategy that fits you and your needs begins with how well we know you and understand your circumstances.

Wealth management is much more than selecting investments for your portfolio. It is a disciplined process that encourages you to think about what you hope to accomplish with your wealth. We begin by learning as much as we can about your financial life, and then help you set realistic goals and expectations. Ideally, we will meet not only with you, but also with any other family members you want to involve in your decision-making process. The more we know about what is important to you and your family, the better we are able to recommend strategies aimed at helping you transform your financial vision into reality. Once we have a clear picture of your financial vision and priorities, we chart a course designed to help you get there. Your wealth strategy may include a few goals, such as providing an income stream to maintain your current lifestyle, funding your retirement or a child's education.

Establishing a connection with you is important for us. We will reach out to you periodically to hear about your personal concerns and learn about life-changing events in your family, such as the birth of a child or grandchild, or plans to build or buy a new home. Through these conversations, we often uncover additional financial needs that we can help you address.

Our commitment to teamwork extends to working with other members of your professional team. With your consent, we will coordinate with your attorneys, CPAs and other advisors to see that financial strategies are implemented seamlessly and in line with your objectives.


A Portal to Powerful Services

Post & Associates is your point of access to the banking convenience of Bank of America and the investment insights of Merrill.

The Merrill platform gives us — and you — access to one of the deepest pools of professional investment talent, products, services and technologies in the financial industry. The Investment Management & Guidance group, for instance, is an important resource for investment analytics, innovative portfolio construction advice and actionable wealth management ideas. When we select asset managers for your portfolio, we rely on the group's research and analysis.

We can also offer you access to the banking services of Bank of America, which include:

  • CONSUMER RETAIL BANKING: Bank of America is a market leader in consumer lending and home loan financing, offers a wide range of transactional and deposit products, and is an industry leader in online and mobile banking capabilities.
  • COMMERCIAL BANKING: Bank of America offers businesses of all sizes credit and loan products, payment processing and treasury services, including dollar-based and foreign currency cash management.
Access to Expertise—Deep and Broad
The breadth of our advisory approach is geared to help meet your most complex wealth management needs. We have access to hundreds of product and services experts across Merrill and Bank of America, including professional specialists in these important areas:

Bank of America:
  • Wealth Management Banking
  • Wealth Structuring
  • Trusts and Philanthropic Services
  • Estate Strategies
  • Individual Retirement Services and Annuities
  • Insurance


Supporting Retirement Benefit Plan Sponsors

Increasingly, we see clients who are managing defined contribution plans, primarily 401(k) plans, but also 403(b)s, money purchase plans and profit sharing plans. We work with clients with plan assets of $3 million to over $50 million.

Retirement savings plans are extremely valuable employee benefits, but from a sponsor's point of view, they can be complicated and time consuming to manage. We point out ways to enhance the value of the retirement benefit plan to employees, we look for cost and service efficiencies, and we support plan sponsors as they execute their fiduciary responsibilities.

Overseeing a retirement benefit plan can be a daunting task. Among other things, a plan sponsor has to:

  • Understand the needs of the employees
  • Document a plan with optimal, flexible provisions
  • Seek an appropriate menu of investment choices
  • Educate plan participants
  • Select service providers and vendors at reasonable costs to the plan or company
  • Review investment performance, and suggest changes, as necessary
Plan Costs and Lost Opportunities
One of our first steps is to review documentation and uncover the true costs of your existing plan. We gather and synthesize data and present a "Lost Opportunities" report, which details the inner workings of your plan. It focuses on the costs of service providers and the performance of the investment choices available to your employees. This analysis provides valuable context to measure the effectiveness and cost-efficiency of your plan.

  • We are 'client-driven.' That means we are committed to listening to clients and responding to their needs. Our goal is to be there to serve you and your family throughout your lives.Abraham K. Post, CRPC®, Managing Director, Wealth Management Advisor, Retirements Benefit Consultant

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.

Staying on Track

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.

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.

    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.


    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.


      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.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.