Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Our mission is to understand you and what matters most to you. 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 and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage 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 appropriateness 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.
Review 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 investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
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.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
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.
We get to know you and your family, your financial situation and what matters most to you.
We will work to help you stay on track, regardless of what the markets are doing.