Understanding What Is Important to You

The clients we serve are successful executives, business leaders and professionals who have substantial wealth and are looking for sophisticated, customized wealth management strategies and access to trust services that align with their lifestyle and legacy goals. And, since our work often impacts future generations, many of our client relationships have grown to include multiple generations of a single family or business.

The select group of clients that we serve represents a broad spectrum of complex wealth management issues.

• Top-tier executives and professionals who are focused on building wealth and optimizing the opportunities to grow and preserve assets.
• Business owners who might be facing a liquidity event or have business succession planning needs and want help transitioning assets and business interests.
• Ultra-high-net-worth individuals and families who are looking for sophisticated, customized wealth management strategies that align with their lifestyle and legacy goals.
• Retirement-focused individuals or business owners in search of pre- and post-retirement income strategies designed to optimize retirement assets and generate income.
• Next-generation inheritors and wealth builders interested in sustaining and growing family wealth.

Goals-Based Wealth Management Process

We strive to simplify complex financial situations and offer clients a clear understanding of the link between strategy and execution. To that end, we follow a disciplined, five-step wealth management process:

STEP 1 PROFILE CLIENT: Every client is unique. We look at the demographic, financial and behavioral distinctions that drive lifestyle and legacy decisions, guide investment choices, and reflect who and what matters most to the client.

STEP 2 ESTABLISH GOALS: We help clarify and prioritize lifestyle and financial goals, then map these goals to cash flow and wealth objectives over time. We also discuss the possible effect of taxes, estate planning services and philanthropic considerations, as well as designated beneficiaries.*

STEP 3 SET STRATEGY: Once we have established clear objectives, we conduct a thorough review of client assets and investments and help them craft a goals-focused financial strategy. It is important that clients understand how the overall strategy and select portfolios are connected to their vision.

Our conservative approach to managing wealth translates into strategies designed to manage risk and grow assets prudently.

STEP 4 IMPLEMENT STRATEGIES: We give you access to the investment insights of Merrill and the banking convenience of Bank of America, offering you a broad range of services and capabilities.

STEP 5 REVIEW PROGRESS: We conduct periodic and event-based reviews of the client's wealth management strategy and track progress against goals to determine what adjustments, if any, are needed to help you stay the course.

*We do not provide tax advice and clients should consult with their tax advisor on issues related to tax.

Relationships Built on Trust

We strive to create one-on-one client experiences that demonstrate our continued interest in developing a more meaningful relationship with clients. We are always looking for ways to make their lives easier—customizing communications and responding to their concerns with a sense of urgency. Delivering high-quality, high-touch personal service and access to banking products through Bank of America, N.A., on a daily basis is an integral part of what we do.

Building and sustaining a strong client relationship demands a fully integrated support platform that offers service continuity and enables both big-picture and small-detail responsiveness. Our Wealth Management Client Associates, Kimberly Eberlein, Giuseppina (Josie) Terzini, April Young, and Amy Totonchi bring over 40 years of combined experience to the team. They know that their attention to detail, their ability to offer clear and frequent client communications, and deliver timely and accurate responses to client inquiries can translate into client loyalty.