Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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The MRACL Group is an experienced team that combines a range of complementary individual skills to serve a diverse range of clients, from high-net-worth families to businesses. We combine institutional-style investment thinking with personalized service to help clients pursue their financial goals.
Our scope is national, our focus regional. Like many clients, we have strong family and business connections to Michigan. We believe in building relationships for the long term and we are proud of our low turnover rate. Our client relationships reach deep into families, often extending to three, or even four, generations.
Wealth is a means to an end, not an end in itself. The wealth management guidance we offer depends on the goals you have set for yourself, your family or your business. For example, do you want to devote your retirement years to volunteering and philanthropy? Fund a child's or grandchild's college education? Leave a legacy for the next generations of your family?
We take the time to build rapport, listening carefully to your concerns before we make recommendations. We are sensitive to individual needs and wishes; at the same time, we are ready to have honest conversations about the challenges inherent in building any wealth management strategy.
If you own a business or professional practice, we can offer you access to services to help you manage your liabilities as well as assets. We work with Merrill Lynch investing specialists to help you sell your business, and with Bank of America banking specialists to help you establish a business line of credit or restructure a commercial or residential mortgage.
Although most people have strong feelings about money and what it means to their families, we don't believe these emotions should dictate investment decisions. We encourage individuals to think more like institutions by adopting a strategic investment approach. In general, institutional investors take a long-term view, avoid emotional reactions to short-term changes in financial markets and tend to manage risk through broad diversification.
Our aim is to help clients strive for better risk-adjusted returns through disciplined investing. As your wealth management advisors, we can help you build "all weather" core and satellite portfolios based on your individual goals, time horizon, liquidity needs and risk tolerance. We follow a contrarian investment style and will often make recommendations to help you take advantage of tactical opportunities, such as investments we believe are undervalued.
Retirement income planning is a key focus of The MRACL Group. Our knowledge and experience, plus access to the investment insights of Merrill Lynch and the banking convenience of Bank of America, help us guide clients in preparing financially for the life-changing transition from employment to retirement.
For individuals who currently participate in a corporate retirement plan, we can offer valuable insights to help you make critical, required decisions about distribution options (such as lump sum payments, annuity payments, rollovers and transfers) in the months leading up to retirement. If you are self-employed, or your employer does not offer retirement benefits, we can advise you on funding your own retirement with a tax-qualified retirement plan, Individual Retirement Account (IRA) or other strategy.
Corporate Retirement Plan Services
Plan sponsors and their employees need to address a new generation of challenges as employees assume greater responsibility for their retirement security. Cost and efficiency remain important areas of focus for sponsors, while participants confront a wider range of investment choices and risks. The MRACL Group can help your company assemble and manage a suitable mix of benefits, from defined contribution to defined benefit, equity and nonqualified deferred compensation plans, and executive services.
Whether you are a small business, or Fortune 500 company, our team has the investment capabilities and plan design architecture to help you tailor a strategy designed to meet your objectives. We work with you to analyze sponsor needs and employee expectations, and then help you structure a plan to suit both.
Supported by the global resources of Merrill Lynch, 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 Financial Advisor if you have questions about how a specialist might be able to assist you.
Director, Retirement Plan Manager
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch and the banking convenience of 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 give you peace of mind* that you're on track to help 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 destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
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 financial 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.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, 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.