The Flack Wealth Management Team

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The Flack Wealth Management Team

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Merrill Lynch
Wealth Management

We understand the unique challenges that successful executives, business owners, and their families face and strive to give our clients time back to enjoy their lives while helping them more confidently and wisely pursue prosperity.

Our focus is on fostering intimate, meaningful client relationships based on trust and respect – upheld by complete wealth management.

Professional Profile

For many successful executives and business owners, finding balance in their personal and professional lives is an ongoing quest. Between family responsibilities, career commitments and vastly complex wealth, these high-net-worth investors rarely have the time and resources required to secure their ideal financial futures.

The Flack Wealth Management Team understands these challenges, and we dedicate our financial advisory service model to supporting executives, business owners and families with in-depth, personalized wealth management services. With over 100 years of collective industry experience, we strive to give clients time back to enjoy their lives while helping them more confidently and wisely pursue prosperity. Our full-service, intimate advisory relationships help clients create, grow and preserve their wealth with tax-sensitive strategies that address more than their investment portfolios. From retirement planning to liability/liquidity planning and beyond, we embrace client's full wealth picture to help them comprehensively manage their financial life for generations.

Our Philosophy

The Flack Wealth Management team cares deeply about the clients we serve and believe that the only way to fully support their wealth management needs is by limiting the number of investors we support. By doing so, we work to ensure we always have the time and resources to deliver deep client service in every advisory step based on:

 - Meaningful Relationships:  Because we don't focus on serving transactional needs, we are able to foster long-term relationships where we know clients as investors and individuals. We build meaningful client relationships based on trust and respect - and upheld by complete wealth management. In fact, our team has often formed dear friendships with clients and their families throughout the years.

 - Thorough Planning Support:  Deep planning support is the foundation of our advisory guidance. We believe that the better we understand the breadth of clients' financial needs, goals, and visions, the better able we are to help them pursue their desired financial life in every wealth stage. With thorough planning support, we can address clients' assets and liabiilities under a united, forward-looking wealth plan based on their unique financial objectives.

 - Modern, Skilled Guidance:  The financial marketplace and clients' lives continuously evolve. To support tomorrow's objectives, we stay current with the dynamic financial environments and pending legislation changes, as these developments can greatly impact clients' financial outlook and wealth plan.

 - Proactive Communication: 
We believe informed, educated clients make wiser financial decisions. No matter what the markets are doing, we seek to provide calm, clear, and thoughtful advice for logical decision making - and we proactively communicate so clients never feel in the dark about their financial details.


How we help clients

Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:

  • The retirement lifestyle they envision
  • Preparing for the cost of the best education possible for their children and grandchildren
  • Wealth transfer to the next generation
  • Establishment of their legacy through family foundations and philanthropy
  • Diversifying business interests
  • Effective strategies for managing concentrated equity holdings

Understanding your goals and priorities

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

Capabilities

In 1914, Charles Merrill said, “The interests of our customers must come first.” That’s a commitment that we still honor today. We feel Charles Merrill would be gratified to see how the business he founded continues to place a premium on service and commitment. With the investment insights of Merrill, and with access to the banking convenience of Bank of America, we can deliver services that can help you address virtually every financial challenge you face.

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Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:

  • 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

We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.

 

  • We believe the quality of our team's professionals is just as important as the quality of service we offer. We have built an advisory practice comprised of dedicated industry professionals with in-depth experience and a client-first attitude - and who also genuinely enjoy their jobs. Our lead advisor, Janet Flack and Investment Associate Rich Flack, are also a devoted husband-wife advisory team, who greatly value the importance of respectful, meaningful partnerships.

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.

Rachel A Fitzpatrick

Rachel A Fitzpatrick

Structured Credit Executive

Joseph H McCullough

Joseph H McCullough

Trust Specialist

Kristina L Christenson

Kristina L Christenson

Senior Wealth Management Lending Officer NMLS # 767182

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.

<br />Regular reviews to help you stay<br />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.

    <br />Monitoring changes in your life<br />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.

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      Let’s Have a Conversation

      There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs – a caring advisor who can leverage the investment insights of Merrill Lynch and access to the banking convenience of Bank of America to help clients face today’s financial and economic landscape. 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.