Now’s the time to have the bull at your back, with Merrill.

Now’s the time to have the bull at your back, with Merrill.

Merrill believes the future is bullish, even in the most unpredictable of markets. To see you through uncertainty and help you to find opportunities, we invite you to check out the latest investment insights from our Chief Investment Office.

Learn more

Now’s the time to have the bull at your back, with Merrill.

Now’s the time to have the bull at your back, with Merrill.

Merrill believes the future is bullish, even in the most unpredictable of markets. To see you through uncertainty and help you to find opportunities, we invite you to check out the latest investment insights from our Chief Investment Office.

Learn more

Merrill Lynch

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.
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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

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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

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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.

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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.

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.

Thomas Zeman

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #206221

Laura Momber

Wealth Management Banking Specialist

Merrill

Past Events

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.

    TLHS 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 virtual 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.

      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.