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.

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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.

Joseph McCullough

Wealth Strategist

Merrill

Kevin L Quast

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #533126

Coy Chelgren

Wealth Management Banking Specialist

Merrill

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

BSK Wealth Management is a deeply experienced wealth management team that serves clients in multiple regions in the United States. Thirteen people strong, we apply the knowledge and insight we’ve gained from more than 200 years of collective experience.

We realize that everyone treads a unique path in his or her financial life. We cater to that singularity. Dedicated to our craft, we believe we serve clients best when we truly understand them: their goals, challenges, concerns, and aspirations. Our commitment is demonstrated by the time we dedicate to each relationship. Through in-depth conversations and regular meetings, phone calls, and emails, we stay in close contact with our clients so that we can respond to their changing needs. Clients know how much we value them because we offer a warm, welcoming environment where they know they are heard.

Our goal is to be the go-to resource and first call for any financial issue, large or small. We feel privileged to serve as a discreet confidante during life’s transitions, personal or professional, walking with clients through critical crossroads in their lives and legacies.

A Highly Tailored Approach

We advise a number of clients who have complex financial situations: business owners, entrepreneurs, professionals, senior executives, and inheritors, among others. Each person is unique, deserving customization and one-on-one attention. For us, the value and satisfaction of our work derives from discerning a “good fit” – from appreciating the whole client and delving into the intricacies of his or her situation. We take the time to develop a granular understanding of each client’s financial life—to organize, streamline, and unify—so that we can create a holistic financial picture. As trusted advisors and guides, we welcome the opportunity to heighten transparency, capitalize on efficiency, and educate clients about the options at their disposal.

We meet clients where they are and help them move toward where they want to be. We recognize that clients come to us with varying needs. Some look to us for our technical abilities, such as investment execution or concentrated stock management. Others have a particular question in mind, such as positioning their business for a future sale or calculating the timing of their retirement. Still others inquire about family issues, such as preserving wealth in a tax-sensitive manner, saving for higher education, or fostering sound stewardship in the next generation.* 

We welcome all of these needs. Our longevity and continuity as a team make it likely that we have encountered similar situations before. Through our Merrill and Bank of America network, we integrate the advice and guidance of locally based specialists; we also leverage an extensive network of external tax and legal advisors, as appropriate. Together, we’ll look to design and implement forward-looking strategies that leverage our collective strengths, backgrounds, and experiences.


*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

The Strength of a Team

Our team reflects the diversity of and vibrancy of the clients we serve. Composed of men and women, young professionals and seasoned veterans, we pool our collective talents to foster an optimal experience for our clients. Combining maturity and wisdom with energy and innovation, we connect with clients at various life stages.

We’ve purposely structured our team to be both broad and deep, allowing us to tackle a wide range of needs with poise and precision. Committed to ongoing professional education, members of our team collectively hold a number of esteemed industry designations:

CERTIFIED FINANCIAL PLANNER™ practitioner
Chartered Retirement Planning Counselor, CRPC designation 
Certified Plan Fiduciary Advisor, CPFA designation
 
Moreover, we believe our service team is without equal in their competence, caring, and professionalism. With five dedicated Client Associates and an Investment Management Specialist, we’ve committed substantial resources to the smooth resolution of our clients’ administrative, operational & investment needs. When a service-team member answers the phone, clients know that they are recognized, understood, and appreciated.
 
Together, we strive to serve clients with the diligence and steadfastness that we would want for our own families or businesses. We view client success as the best metric of our own success.

A Singular Resource

As a team within Merrill, we have access to capabilities and resources that can address a multitude of needs. Our goal, as advisors, is to connect clients with the offerings that are most meaningful and impactful. Here are a few of the areas in which we can help:

Investment Management. Agnostic as to the investment vehicle, we help clients discern the potential impact of various asset classes and instruments relative to their goals, tax situations, timelines, and risk profiles. 
 
Trust and estate planning services. We utilize the capabilities of our partner, Bank of America Private Bank, to help clients preserve and transfer their wealth thoughtfully and efficiently, mindful of each family’s unique dynamics.
 
Lending. Through our colleagues at Bank of America, we connect clients to customized lending services, from business lending to mortgages, helping clients identify untapped opportunities.

Pre- and Post-Retirement Strategies. We help clients develop detailed distribution strategies that reflect their unique combination of assets, cash-flow needs, and tax circumstances.
 
Sale of a Business. Our access to the Private Sale Referral Network within Merrill supports clients in finding the right buyer for their business and preparing that business to optimize its value.

Insurance. We believe insurance is an integral component of a sound financial foundation. From life insurance to long-term care, we help clients weigh their options and needs.

Next-Generation Stewardship. We are honored to help our clients’ children and grandchildren grow as responsible and informed stewards of their wealth, offering one-on-one coaching sessions and family meetings, as well as access to educational events and seminars.

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.