Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
Tune out the noise: Wealth planning for the year ahead
Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.
Tune out the noise: Wealth planning for the year ahead
Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.
Towner Lund Howell Sharp & Associates
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Merrill Lynch
Wealth Management
At Towner Lund Howell Sharp & Associates, every member of our team is dedicated to helping people achieve their financial goals. We believe every client is entitled to the highest level of personalized service and care. With the global resources of Merrill, we’ll place you at the center of the wealth management process as we work together to design a goals-based financial approach to help you reach the goals that matter most to you.
Towner Lund Howell Sharp & Associates
The TLHS & Associates Experience
Our wealth management philosophy places you, the client, front and center. Through our collaborative approach, we work with you to design a customized financial strategy to help you pursue what is most important to you.
The process starts with getting to know you. Only when we understand what matters most to you can we help create a financial strategy that truly reflects your personal desires and goals. This allows us to build a plan around your life priorities and provide ongoing advice to navigate through market fluctuations and changes in your life.
It is our mission to help clients identify and reach their goals at every stage of their lives – from the birth of a child to sending children to college, from attaining adequate healthcare coverage during retirement to leaving the legacy they desire. Our clients count on us to help them pursue their financial and life goals, including:
- Living the retirement lifestyle they envision
- Making the most of their compensation & benefits
- Managing their concentrated equity holdings
- Diversifying business interests
- Transferring wealth to the next generation
- Preparing for the cost of education for their children and grandchildren
- Establishing their legacy through family foundations and philanthropy
Corporate Executive & Advisory Services
We understand the challenges that corporate executives face in their financial lives, and we can help develop a customized wealth management strategy tailored to your individual situation. As a successful corporate executive, you are often time-constrained and need to balance multiple professional and personal goals. We can help you prioritize your goals and take the necessary steps to help you actively pursue them.
While unique, your needs as a corporate executive might include:
- Reducing the risk of a concentrated stock position
- Navigating and complying with SEC rules
- Developing a long-term financial strategy
- Gaining easier access to cash, even though your cash flow may be uneven throughout the year
- Working with you in a time-sensitive manner, knowing that you are extremely busy and your career is a priority
Services we offer Corporate Executives:
- Personalized Wealth & Future Cash Flow Analysis
- Managing Portfolio Risk through concentration and correlation analysis
- Maximizing your Equity Awards
- Optimizing and planning for Retirement cash flow
- Evaluation of contribution rate and investment mix within your 401(k) & SERP
- How emotions can impact returns
- Track progress to your goals
- Planning for college expenses
- Multiple team members proficient in Spanish
Retirement Planning Services
We measure success against helping you reach your goals, not the performance of the market. By understanding your unique priorities and financial situation, we can help you plan for the retirement you’ve envisioned — it’s about preparing and keeping your finances in line. We are committed to helping you pursue a successful retirement that is an extension of your life today.
We start by listening and learning about your vision for retirement. Through meaningful conversations, we get to know what matters to you and use that understanding to develop a customized retirement strategy that takes your unique retirement goals and entire financial picture into account. As you plan for and transition into retirement, your needs might include:
- Managing healthcare expenses, now and in the future
- Upsizing, downsizing, remodeling or buying a vacation home
- Taking care of your family and other loved ones
- Spending your free time in meaningful ways
- Maximizing retirement compensation and Social Security benefits
- Working in retirement, or selling or starting a business
- Giving back through volunteering, mentoring, and giving to charities
Together, we can build a strategy that considers your priorities, retirement goals, objectives, risk tolerance, time horizon, liquidity needs, and financial situation. For those nearing retirement, we also consider inflation, health care costs, and other factors to help you pursue your desired lifestyle. We will revisit your goals regularly and help you make adjustments, as needed, to help keep you on track.
Focus On Individuals, Families and Small Businesses
We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.
- Health: Managing healthcare expenses, now and in the future
- Home: Upsizing, downsizing, remodeling or buying a vacation home
- Family: Taking care of your family and other people in your life
- Leisure: Spending your free time in meaningful ways
- Giving: Volunteering, mentoring others and giving to charities
- Work: Working in retirement, selling or starting a business
- Finance: Bringing it all together and defining your financial goals
This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.
Recognition
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Jeffrey Towner
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2021, 2022, and 2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
David Lund
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2019, 2020, 2021, 2022, and 2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Financial Times "400 Top Financial Advisers" 2019
Published on April 18, 2019. Rankings based on data as of June 30, 2018.
Jonathan Lund
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Brett A Howell
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021, 2022, and 2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Financial Times "401 Top Retirement Advisers" 2018, 2019, and 2020
Published annually May - Oct. Rankings based on data as of Dec 31 of prior year.
Craig J Sharp
Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*
Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021, 2022, and 2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Financial Times "401 Top Retirement Advisers" 2018
Published on September 27, 2018. Rankings based on data as of December 31, 2017.
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.
Additional Resources
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.
Jeff Price
Senior Wealth Management Lending Officer
Bank of America, N.A.
NMLS #983684
Laura Momber
Wealth Management Banking Specialist
Merrill
Past Events
TLHS Market Update with Richard Bernstein of RBA Advisors LLC
May 24th, 2023|9:00 AM - 9:40 AM EDT
Mr. Bernstein founded Richard Bernstein Advisors LLC (RBA) in 2009. As CIO, Mr. Bernstein oversees the firm’s Investment Committee which managed multi-asset, global equity, and fixed income ETF strategies for financial advisors and institutions. He helps write the firm’s monthly Insights which has over 25,000 subscribers, is a frequent guest on CNBC and Bloomberg TV, and is regularly quoted in leading publications like Barron’s, Financial Times, and the Wall Street Journal. He has over 40 years’ experience on Wall Street, recently as the Chief Investment Strategist at Merrill Lynch & Co. Prior to joining Merrill Lynch in 1988, he held positions at E.F. Hutton and Chase Econometrics/IDC. Rich holds an MBA in finance, with Beta Gamma Sigma distinction, from New York University, and a BA in economics from Hamilton College.
• Info on RBA’s outlook and positioning view for equities and fixed income in current market conditions.
• RBA’s perspective for what could come next for the market.
TLHS Market Update with Director & Sr. Research Analyst Jared Woodard
April 17th, 2023|12:00 PM - 12:45 PM EDT
Jared Woodard is head of the Research Investment Committee, head of ETF CEF Research, and a director of Global Investment Strategy. He offers insights on global asset allocation and key market trends to the firm’s wealth management, institution, and government clients. Woodard had been with the firm since 2016. Prior to that he was the senior equity derivatives strategist at BGC Partners in New York and a portfolio manager at Clinamen Financial Group, where he traded a global macro volatility strategy. Woodard hods M.A. and Ph.D. degrees in philosophy from Fordham University in New York.
During this virtual event, Jared Woodard with share:
· Information on BofA Global Research’s outlook and positioning view for equities and fixed income in the current market conditions
· Global Research’s perspective for what could come next for the market
TLHS Virtual Cybersecurity Event with Cyber Crime Sr. Specialist James Scopis
March 22nd, 2023|12:00 PM - 12:45 PM EDT
You’re invited to a virtual event with James Scopis, Senior Vice President and Cyber Crime Senior Specialist at Bank of America. At Merrill, we are here to help you make thoughtful decisions. That's why we invite you to join us for this informative presentation.
During this virtual event, James Scopis will share:
• Information on the current landscape of cybersecurity threats including mobile security, email, identity theft and password management.
• Best practices from the BofA Global Information Security team.
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
#DigitalMerrill
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.
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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.
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.
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