Towner Lund Group

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Merrill Lynch

Towner Lund Group

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Merrill Lynch
Wealth Management
The Towner Lund Group founded a service model based on responsibility and accountability to clients and their families. We continually educate clients in the world of finance to make decisions with confidence.


Towner Lund Group

Welcome

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.

Corporate Executives

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
As part of our practice, we have become well-versed in the complexities associated with executive compensation packages, including company stock options, restricted stock, and nonqualified deferred compensation. With our years of experience, we are well equipped to help you make informed decisions as to when to exercise company stock options and sell or gift restricted stock shares. We can also help you execute these trades in accordance with regulatory restrictions and proper reporting of insider stock purchases and sales, while seeking to minimize risk and tax liabilities and maximize award values.

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 takes into account 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.

Client Commitment & Service

We believe that to feel good about your finances, you need to know exactly where you are, where you want to go, and how much you may need to get there. We work to integrate all areas of your financial life, and we make it clear from the beginning what you’re paying for and what you’re getting. We are committed to helping you every step of the way, and we believe you should be an informed and active participant in your wealth management.

Our process is designed to deliver a consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. As your life and the markets change, we will meet periodically to make sure you are on track in pursuing your goals and to adjust your strategy as needed for the journey ahead. We also provide guidance designed to help you weather market ups and downs and alert you to potential opportunities.


To provide the best and highest level of client service, we hold tightly to our team values:

  • We work hard with focus & effort
  • We have a positive, can-do attitude
  • We are always professional, building our credibility with clients and each other
  • We are genuine and authentic people who act with integrity, always doing the right thing for the right reasons
  • We show and earn each other’s trust and respect
  • We work with consistency, dedication, discipline, and care in service of our clients
  • We deal with issues directly, positively, and with urgency
  • We are committed to learn and grow as professionals and people
  • We are open and honest in our communications with each other and our clients
  • We strive for timely responses that meet or exceed client expectations
  • We have structured, prepared, and intentional engagement with clients that is customized to their needs
Helping you reach your goals starts with getting to know you personally. Our clients find great value in the dedication and diligence we provide at each step of the wealth management process, and we aim to bring that same value to every family we serve. We would love to work with you in the same way, to help you develop a wealth management strategy to achieve your goals.

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

David Lund

Forbes “Best-in-State Wealth Advisors”  in 2018 and 2019

Wealth Management “Top 100 Wirehouse Advisors in 2014 and 2016

Financial Times –“Top 400 Financial Advisers”  in 2017 and 2019

Jeffrey Towner

Financial Times –“Top 400 Financial Advisers”  Object reference not set to an instance of an object.

Jonathan Lund

On Wall Street –“Top 40 Under 40”  in 2015.

Meet Our 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.

Your Financial Strategy

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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

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.

Staying on Track

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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

    Monitoring changes in your life and to your goals
    Monitoring changes in your life and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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    Access to what you need, when you need it

    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

    • Your advisor is never more than a click away within our site or mobile apps
    • 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

    *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. Merrill Lynch Wealth Management 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.

    Let’s Have a Conversation

    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.

    Why Merrill Lynch?

    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.


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    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.

    Personalized advice from a dedicated financial advisor.

    Getting to know you is our primary goal.

    A comprehensive approach, built around your life’s priorities.

    Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

    Adjusting your plan as your life and the markets change.

    We will work to help you stay on track, regardless of what the markets are doing.