Post & Associates

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Merrill Lynch

Post & Associates

Wealth Management
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Whatever your personal goals may be, we will work with you to develop a customized financial strategy designed to help you pursue what’s most important to you.

Post & Associates

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We Help Manage Your Wealth, So You Can Live Your Dreams

You've worked hard to chart a course in life and accumulate what you have. A strategy designed to sustain and grow your wealth — so you can enjoy it in retirement and pass it on to future generations — would ease your financial concerns. For many people, however, coming up with a feasible strategy and making good investment decisions today are time-consuming and challenging tasks.

We believe clients trust us to help them deal with the many details of their financial lives, not just their investments. This can help to relieve the time pressures on you and free you to pursue the personal and business interests you are passionate about. That's the Post & Associates' difference.

We are proud to help individuals and families approach their financial futures with clarity. We are equally proud of our ability to help you streamline some of the financial challenges that complicate your life, so you can have more time to pursue your other interests to the fullest.

We welcome the opportunity to work with you.

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Insightful Advice and Guidance and Responsive, Personalized Attention

Post & Associates works with families, individuals and businesses in Michigan and across the United States. We're proud to have fostered long-term relationships with so many clients who have been with us for years and, in some cases, for several generations. We work hard and strive to earn their trust every day.

You deserve insightful advice and guidance based on a thorough understanding of what you hope to achieve with your wealth. We believe your investment portfolios should be integrated with an overall wealth management strategy that is based on your values, your priorities and your important financial goals.

You also deserve excellent service, and hands-on service is a hallmark of our team. We are committed to exceeding your expectations for responsive, personalized attention. Every business day, from early in the morning until past the closing bell, we are here for you. We are accessible on weekends, as well, by appointment. We want you to feel we have only one client — you.

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A Strategy Centered on You

We seek to deliver value to client relationships through a disciplined wealth management process, open communications and a commitment to outstanding client service. Designing a wealth strategy that fits you and your needs begins with how well we know you and understand your circumstances.

Wealth management is much more than selecting investments for your portfolio. It is a disciplined process that encourages you to think about what you hope to accomplish with your wealth. We begin by learning as much as we can about your financial life, and then help you set realistic goals and expectations. Ideally, we will meet not only with you, but also with any other family members you want to involve in your decision-making process. The more we know about what is important to you and your family, the better we are able to recommend strategies aimed at helping you transform your financial vision into reality. Once we have a clear picture of your financial vision and priorities, we chart a course designed to help you get there. Your wealth strategy may include a few goals, such as providing an income stream to maintain your current lifestyle, funding your retirement or a child's education.

Establishing a connection with you is important for us. We will reach out to you periodically to hear about your personal concerns and learn about life-changing events in your family, such as the birth of a child or grandchild, or plans to build or buy a new home. Through these conversations, we often uncover additional financial needs that we can help you address.

Our commitment to teamwork extends to working with other members of your professional team. With your consent, we will coordinate with your attorneys, CPAs and other advisors to see that financial strategies are implemented seamlessly and in line with your objectives.

A Portal to Powerful Services

Post & Associates is your point of access to the banking convenience of Bank of America and the investment insights of Merrill Lynch.

The Merrill Lynch platform gives us — and you — access to one of the deepest pools of professional investment talent, products, services and technologies in the financial industry. The Investment Management & Guidance group, for instance, is an important resource for investment analytics, innovative portfolio construction advice and actionable wealth management ideas. When we select asset managers for your portfolio, we rely on the group's research and analysis.

We can also offer you access to the banking services of Bank of America, which include:

  • CONSUMER RETAIL BANKING: Bank of America is a market leader in consumer lending and home loan financing, offers a wide range of transactional and deposit products, and is an industry leader in online and mobile banking capabilities.
  • COMMERCIAL BANKING: Bank of America offers businesses of all sizes credit and loan products, payment processing and treasury services, including dollar-based and foreign currency cash management.
Access to Expertise—Deep and Broad
The breadth of our advisory approach is geared to help meet your most complex wealth management needs. We have access to hundreds of product and services experts across Merrill Lynch and Bank of America, including professional specialists in these important areas:

Bank of America:
  • Wealth Management Banking
  • Wealth Structuring
  • Trusts and Philanthropic Services
Merrill Lynch:
  • Estate Strategies
  • Individual Retirement Services and Annuities
  • Insurance

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Supporting Retirement Benefit Plan Sponsors

Increasingly, we see clients who are managing defined contribution plans, primarily 401(k) plans, but also 403(b)s, money purchase plans and profit sharing plans. We work with clients with plan assets of $3 million to over $50 million.

Retirement savings plans are extremely valuable employee benefits, but from a sponsor's point of view, they can be complicated and time consuming to manage. We point out ways to enhance the value of the retirement benefit plan to employees, we look for cost and service efficiencies, and we support plan sponsors as they execute their fiduciary responsibilities.

Overseeing a retirement benefit plan can be a daunting task. Among other things, a plan sponsor has to:

  • Understand the needs of the employees
  • Document a plan with optimal, flexible provisions
  • Seek a suitable menu of investment choices
  • Educate plan participants
  • Select service providers and vendors at reasonable costs to the plan or company
  • Review and monitor investment performance, and suggest changes, as necessary
Plan Costs and Lost Opportunities
One of our first steps is to review documentation and uncover the true costs of your existing plan. We gather and synthesize data and present a "Lost Opportunities" report, which details the inner workings of your plan. It focuses on the costs of service providers and the performance of the investment choices available to your employees. This analysis provides valuable context to measure the effectiveness and cost-efficiency of your plan.

  • We are 'client-driven.' That means we are committed to listening to clients and responding to their needs. Our goal is to be there to serve you and your family throughout your lives.Abraham K. Post, CRPC®, Managing Director, Wealth Management Advisor, Retirements Benefit Consultant

Meet the Team

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.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.

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 give you peace of mind* that you're on track to help 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
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 destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • 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 Lynch’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. 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 financial 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 financial advisor.





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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 Lynch, 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.