Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.
The Dagenais Group wants to provide you with financial insights and service far surpassing what you may have experienced previously. Our customized approach looks at how we can help you organize key components of your financial life: income, investments, assets, expenses, taxes, debt and property. Because we work with families holding many different types of assets, chances are we've seen the issues you're facing and can offer strategies designed to help you pursue your goals.
Our team can study your present sources of income to look for ways your money could be more productively allocated and invested. We can also evaluate your assets to help you unlock new potential income streams. Also, working with specialists from Merrill, our team can work to give you a more precise valuation of all your holdings, from business equity and partnerships to private equity and real estate.
Families with significant wealth are understandably interested in maintaining their assets and passing them smartly to the next generation. The Dagenais Group can offer strategies that seek to preserve your core wealth structure while pursuing additional growth and income. We can also offer recommendations on tax minimization strategies to transfer wealth, both in the lifetime of the client and after.
Managing it All
Every month, busy families are inundated with bills, statements, and invoices in the mail and online. Our team can offer you services to help you simplify and track your financial life. You'll be able to manage your cash flow and credit, quickly and easily pay your bills and track your expenditures. We can also arrange for you to meet with a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized banking guidance focused on your needs.
*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.
The Dagenais Group understands that high-net-worth families have different needs and varying demands on their holdings. Also, your wealth gives you access to potentially significant opportunities beyond the reach of the ordinary investor. Our team can develop investment strategies that consider your time horizon, risk tolerance, liquidity needs and suitability toward your investment objectives.
Investing for Opportunity
Merrill gives you the flexibility to invest in opportunities when, where and how you want. We can offer portfolio recommendations that go beyond equities and fixed income to encompass alternative investments such as private equity. We can also work with specialists at Merrill to help you diversify portfolios heavily invested in company stock, including control and restricted stock.
Targeting Multiple Objectives
Our team can help you target multiple investment objectives, working with you to modify your portfolio as you and your family move through life. We may suggest a selection of investments for education savings, another for retirement, still another for special purposes such as a home purchase. We can also recommend more liquid holdings to keep your day-to-day cash working for you.
Monitoring and Rebalancing
Our team pays personal attention to your portfolio and evaluates its progress relative to your goals. You can expect updates on your investment activity and recommendations on any needed adjustments. We also want to hear from you as your life, outlook and financial situation evolve.
*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
Whether you've been working in the corporate world or running your own business or practice, at some point you'll want to step back and enjoy a life free from timetables and spreadsheets.
The Dagenais Group works with clients approaching or already in retirement to help them structure their assets for the long-term. Also, we can arrange direct access to Merrill specialists who can guide you on business valuation and succession, equity sales and monetizing partnership stakes.
Lifetime Capital Needs
Our team considers several factors when evaluating retirement capital needs. We help you assess the costs and benefits of various lifestyle scenarios. We look at where and how you want to live, including any special considerations such as healthcare access, taxes and inflation. This information helps us project your lifetime capital needs and develop strategies toward that goal.
Transitioning Retirement Assets
Moving from a regular paycheck to living on your retirement assets is one of life's major financial transitions. Fortunately, The Dagenais Group is experienced in helping high-income families develop sensible income and distribution strategies. You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. We can also help you reinvest any IRS-required minimum distributions.
We believe that sound expense management is essential to helping your assets last for the long-term. Our team can help you with cash management strategies designed to help you make the most of your retirement income. We can also show you detailed expense projections so you can see how your actual spending dovetails with your distributions.
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.
Wealth Management Lending Officer
Bank of America, N.A.
Our experts examine the forces that are changing the world – and how they may impact your life
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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities
It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click
You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features
Your advisor is a click away through our Secure Inbox and texting application
Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income
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.
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.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy 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.