Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

Watch now

Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

Watch now

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 help make decisions with confidence.
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The Towner Lund Group 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
Why Merrill?
Our team’s experience helps us to understand the financial markets and their movement. The broad resources to which Merrill can provide access makes it possible for us to help you pursue your goals. In addition, we have access to a diversified group of thought leaders, strategic thinkers and expertise from BofA Global Research.² We can offer investment insights and advice that come from one of the world’s most respected wealth management firms.

² BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized.
 

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 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 help 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 financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

David Lund

Forbes "Best-in-State Wealth Advisors" 2022
Published on April 7, 2022.  Rankings based on data as of June 30, 2021.

Forbes "Best-in-State Wealth Advisors" 2021
Published on February 11, 2021. Rankings based on data as of June 30, 2020.

Forbes "Best-in-State Wealth Advisors" 2020
Published on January 16, 2020.  Rankings based on data as of June 30, 2019.

Forbes "Best-in-State Wealth Advisors" 2019
Published on February 20, 2019. Rankings based on data as of June 30, 2018.

Financial Times "400 Top Financial Advisers" 2019
Published on April 18, 2019. Rankings based on data as of June 30, 2018.

Jeffrey Towner

Forbes "Best-in-State Wealth Advisors" 2021, 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

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.

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.

Thomas Zeman

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #206221

Laura Momber

Wealth Management Banking Specialist

Merrill

Upcoming Events

Market Update with Investment Strategist Derek Harris

February 13th, 2023|12:00 PM - 12:45 PM EST

Derek Harris is a Managing Director and Head of Global Wealth Management Portfolio & Investment Strategy for Global Research. He is Deputy Director of Americas Equity Research. He is responsible for providing strategic investment guidance related to constructing and managing equity portfolios. Harris also serves as vice chairman of the Americas Research Recommendations Committee, responsible for leading the committee in the review and approval of initial opinions, ratings changes, and material price objective changes across the Americas region.

During this event, Derek Harris will share:
·      Information on BofA Global Research’s outlook and positioning view for equities and fixed income in the current market conditions
·      BofA Global Research’s view on the Ukraine Conflict and its effect on Energy Prices in 2023.

    For more information: 616.774.4247 or erin.lindsay@ml.com

    Past Events

    Blackstone Market Update with Joe Zidle

    November 14th, 2022|4:00 PM - 4:50 PM EST

      Market Update with Marci McGregor, Senior Investment Strategist

      December 12th, 2022|4:00 PM - 4:45 PM EST

        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.

            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.


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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.



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            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.

            Personalized advice from a dedicated financial advisor.

            We get to know you and your family, your financial situation and what matters most to you.

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

            Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

            Adjusting your investment approach as your life and the markets change.

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