Kimberly R. Roth

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Profile

As a multigenerational team, we pledge to remain a constant in your life. Our team consists of two generations of financial professionals, giving us a unique collective insight into the history and future outlook of wealth management. Blending our collective skills allows us to apply a broad knowledge base when we collaborate to serve you. Our diversity assists us in building lasting relationships with every generation—offering your children and grandchildren continuity of service as they face important financial decisions of their own.

We work with clients across the country including successful professionals saving for retirement, women, many of who will take full responsibility for their finances at some point in their lives—after divorce or as widows—and individuals concerned with leaving a legacy.

Business owners look to us to help pursue their goals through assistance with retirement and defined-benefit plan services, cash management strategies, exit planning, acquisitions and the valuation and sale of their business. We also offer access to credit, lending, corporate cash management, corporate financing and other banking services through Bank of America, N.A.

Our relationships begin with in-depth conversations to help us learn what is most important to you. By understanding your needs and timeframes, we are able to translate your goals into customized investment strategies geared to your investment profile. Throughout our process, we maintain regular contact to stay informed about events in your life that could affect your financial situation and help you anticipate potential opportunities.

For us, wealth management is a team effort, in which you are an active participant. Our collaboration extends to professionals throughout the Firm and, with your permission, to your attorney and accountant. Working together we can develop wealth management strategies designed to help address the different aspects of your financial life.


|Clients are at the center of everything we do. In short, your objectives become our focus, and helping you pursue them is our commitment.

The Roth Group utilizes all the exceptional resources available through Merrill Lynch. This includes extensive knowledge in wealth planning, investment strategies and state-of-the-art technology designed to streamline any financial picture. We strive to help you achieve financial success by connecting all the pieces of your financial life. Whether its retirement planning, estate planning services and trusts, investment selection and monitoring, or debt management; from every angle, we are here to help you achieve your financial goals.

We are dedicated to serving people, companies and organizations who are seeking financial strategies and recommendations. In forming individual relationships with a growing number of clients, The Roth Group continues their commitment to provide superior service and extensive knowledge to those who have come to respect the insights of both Merrill Lynch and the team.

Kimberly R. Roth, CRPC&reg
Senior Resident Director – Wealth Management, Senior Vice President , Financial Advisor

Holds the Series 7, Series 66, Series 31, Series 9 and Series 10 FINRA Registrations.

Kimberly joined Merrill Lynch in 2003, earning her Chartered Retirement Planning CounselorSM (CRPC&reg) designation. Kimberly focuses on providing extensive and attentive service to clients. In 2008 she was appointed as Resident Director of the Merrill Lynch Missoula Branch office. Since joining Merrill Lynch, Kimberly has focused on business development in retirement as well as estate planning issues where she works with clients legal advisors in developing their estate plan, investment strategies and financial advice. Active in the Merrill Lynch Women's Exchange Program, Kimberly is President of the Northwest Intermountain Chapter.

Kimberly resides in Missoula with her husband, Mike and two children.

Brian J. Eicholtz
Financial Advisor

Holds the Series 7 and Series 66 FINRA Registrations.

Brian began his career at Merrill Lynch in 2010 as a client associate intern during college and joined his mother-in-law, Kimberly Roth, as a Financial Advisor at The Roth Group after completing his master’s degree in 2013. Being part of a family atmosphere enables Brian to help serve multiple generations of clients and offer the distinct perspective of an advisor who can relate to their needs, concerns and goals.

Brian focuses on the complex issues faced by the career-building generation who are concerned with building and preserving their wealth. He focuses on guiding clients through the retirement process so they can spend their time doing what they enjoy most. His responsibilities for the team include client relationship management, marketing, portfolio strategy creation, and business development. With a deep understanding of technology, Brian helps clients take advantage of Merrill Lynch’s many online tools and applications.

After earning his bachelor’s degree in accounting from the University of Montana, Brian continued his education, earning an M.B.A. from his alma mater. Committed to giving back to his community, Brian served as a firefighter for four summers with Montana’s Department of Natural Resources and Conservation. There he learned the value of hard work, good communication and being part of a team. Brian, his wife Danielle and daughter Ella live in Missoula. In his time away from the office, Brian enjoys skiing, fishing and spending time at his cabin with his family.

Danielle Y. Eicholtz
Client Associate


Danielle began her career at Merrill Lynch in 2011, holding a variety of roles in the Missoula branch office while attending college. After graduating from the University of Montana with a bachelor’s degree in business communication and an emphasis on human and public relations, Danielle joined her mother, Kimberly Roth, as a Client Associate for The Roth Group. Today, she continues to use her communication skills as she strives to provide a high level of personalized attention and exceptional customer service to clients. She enjoys building long-term relationships with clients and goes above and beyond to help meet their needs and address their questions and concerns, quickly and effectively.

Loyal, hard working, and passionate about helping clients, Danielle’s responsibilities include scheduling appointments, opening and servicing accounts, planning client events and seminars, generating reports, business development, marketing, and overall team operations. She is also well versed with Merrill Lynch’s online tools and takes the time to introduce clients to the Firm’s latest technology.

Danielle, her husband Brian and daughter Ella reside in Missoula where she enjoys days at the lake, hiking with her two dogs, Duke and Lola, skiing and spending time with her friends and family.



*CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning.

I follow the deep-seated Merrill Lynch tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.

  • LANGUAGES

    English

  • EDUCATION

    California State University System

Where do we begin? It starts with you.

At Merrill Lynch, 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

My mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. I then help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals without unnecessary investment risk. My wealth management approach is about using wealth to help turn goals into reality. When you succeed, I succeed.

Philosophy

I believe that the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth on to future generations? With access to the investing insights of Merrill Lynch and the banking convenience of Bank of America, I will work with you to develop strategies that are designed to address your priorities and financial needs.

Approach

I begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, I start by listening to learn more about you.

Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, I can help customize the financial strategy we develop together.

Capabilities

My process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. My ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. I can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

Focus On Individuals and Families

I work primarily with high-net-worth individuals and families. I’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
I work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

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.

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, I can help you create a financial strategy that reflects your personality. Only then can I 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.





Transcript of Video 

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.