Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Profile

Bradley Dartez is a Senior Vice President and Senior Financial Advisor with Merrill formerly from the Austin, Texas area, and now in Whitefish, Montana. Bradley works closely with business owners, entrepreneurs, executives, and their family members, helping them delineate their financial goals and pursue those objectives with purpose and care. Deeply committed to the well-being of each client, he customizes his work to the unique parameters of each situation, combining strategy, tactics, and service that testify to the singularity of each relationship. Analytical and thorough, Bradley is adept in unwinding the complexities that significant wealth can entail. He looks to support clients in pursuing success as they define it, both for themselves and their loved ones.

 
 Bradley believes in the value of a solid foundation. He begins his work with in-depth planning, clarifying the intersection of a client’s personal and professional finances. A veteran Advisor, he incorporates the best practices and insights he has gained from advising an accomplished clientele, while integrating the guidance of locally based specialists. Business owners look to Bradley for assistance with executive compensation strategies, including 401(k), cash balance, nonqualified deferred compensation plans, and profit-sharing plans. Bradley’s areas of focus also include banking and credit, cash-flow analysis, trust and estate planning services, portfolio design, and alternative investments. Keenly attuned to investment efficiency, he offers a tax- and fee-sensitive approach to portfolio construction.


 Bradley has served as an Advisor at Merrill since 2017. He began his wealth management career with Edward Jones in Austin in 2009. He also spent more than three years with Wells Fargo Advisors, where he catered to the needs of business owners and entrepreneurs. Committed to professional excellence, Bradley holds a number of professional designations, including the Chartered Financial Consultant (ChFC®) designation, and the Accredited Asset Management Specialist, AAMS designation. 

 
 Active in the  community, Bradley volunteered with organizations in the greater Austin area. He is the former President and Vice President of the Oak Hill Business Partners Association (OHBPA) and its associated nonprofit, which sponsored an annual youth mentorship program designed to encourage budding entrepreneurs from area high schools.

 
 Bradley is married to his high-school sweetheart. They have two very active daughters who are competitive gymnasts in the Junior Olympic program. A fitness enthusiast, Bradley has completed multiple triathlons, from Sprint distance to Ironman, and has garnered bronze- and silver-athlete status in the Ironman All World Athlete (AWA) program. In his free time, he follows professional cycling, particularly the grand tours and classic races. He also enjoys a variety of outdoor activities including fly fishing and hiking in the Montana backcountry.

 


*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
*Banking and Lending Services are through Bank of America, N.A.

    Professional Staff

    Supported by the global resources of Merrill, my 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.

    J.T. Kirtley

    Structured Credit Executive

    Bank of America, N.A.

    Brandon Lewis

    Wealth Management Lending Officer

    Bank of America, N.A.

    NMLS #512557

    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

    Approach

    No two investment approaches are alike because no two investors are alike. Working closely with you the team examines key components of your life plan to help you create a financial strategy with personalized advice and measurable goals. The team helps you track progress to your goals and works with you to adjust your investment style and strategy over time, as needed.

    Capabilities

    It is important to know exactly where you are with your finances, where you plan to go, and how much you may need to help get you there. Drawing on Merrill’s investing insights and with access to Bank of America’s credit and lending solutions, we can offer you a comprehensive, personalized plan to help you pursue your goals. We will provide transparency on what you’re paying for and what you’re getting, as well as potential opportunities and risks. Understanding that life needs and market conditions can change, we will meet with you, as necessary, to help make sure your strategy remains on track to pursue your goals and adjust your approach for the journey ahead, as needed.

    The broad investing resources of Merrill provide you with access to potential strategies for income management, education funding, retirement income planning, and guidance for executives with concentrated stock positions. In addition to traditional and alternative investments and wealth transfer solutions through Merrill, you have access to estate planning services from Bank of America. As your single point of contact we can connect with key professionals in your life, working closely with your outside advisors, such as attorneys, accountants and elder care specialists.

    DISCLOSURE: Some or all alternative investments may not be appropriate for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other appropriate investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

    Focus On High-Net-Worth Individuals and Business Owners

    I offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances. No matter what your goals may be, the process begins by defining and prioritizing your financial goals based on the following:

    • 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 and giving to charities
    • Work: Working in retirement, selling or starting a business
    • Finance: Bringing it all together; defining your financial goals
    The team’s industry knowledge and experience helps them provide you with:
    • Potential risk management strategies
    • Trust and estate planning services
    • Tax-minimization strategies
    • Access to Bank of America for your credit and banking needs
    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.

    Your approach to investing

    Drawing upon research in the field of behavioral finance, Merrill 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 approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will 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 approach.

    Philosophy

    Life is always changing and growing more complex. In the same way, your priorities and needs around your family, work, health and home are always evolving. And since your finances are so deeply connected with the rest of your life, an investment approach that is specific to your unique situation can be helpful. Even if you’re accustomed to managing your finances on your own, you may find value in having a relationship with someone who understands your priorities and who has the knowledge and resources to help you make more informed decisions, no matter where you are in life.

    Welcome

    My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you’d like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.

    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

        I believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, work with you to identify potential solutions that address your needs, and clearly communicate them to you. I want to work with you to develop your wealth management approach for the future.

        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.


        The Power of the Right Advisor®
        Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

        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.