Ferguson & Associates

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Ferguson & Associates

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.

Meet Our 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.

Andy Ferguson

Andy Ferguson

Senior Financial Advisor

702.341.2022
Rhonda R O'Brien

Rhonda R O'Brien

Registered Senior Client Associate

702.341.2050
Patty Yeager

Patty Yeager

Analyst - Relationship Mgt

702.341.2094
Mia Cruz

Mia Cruz

Registered Senior Client Associate

702.341.2096

Additional Resources

The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.

Karen Newton

Karen Newton

Senior Wealth Management Lending Officer NMLS # 652629

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

The value of working with a team of financial professionals

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Technology has made it all too easy for you to manage your own investments using any number of resources. But technology is a tool; it does not encourage a disciplined approach to investing, or deliver proactive ideas on how to preserve or grow your wealth to meet your own objectives or those for the next generation.

At Ferguson & Associates, we believe it's important to have a team of professionals with credentials and experience to help you manage your wealth, professionals who have a commitment to spending the time necessary to help keep you on track toward your goals.

With your financial objectives in mind, we recommend long-term investments and continually examine possible strategies that can help you pursue your objectives across the decades and from one generation to the next.

From the relationships we build together to the investment strategy we craft with you to the performance reviews we conduct with you, we want to be your financial navigators and help you stay on strategy despite the emotional extremes stirred by fluid markets.

Our approach to financial relationships is long-term and highly individualized

The key to creating long-term financial strategies for you is operating with transparency. By communicating with you and conducting regular reviews to keep you informed and up-to-date, Ferguson & Associates fosters a healthy working relationship in the short term and builds a strong foundation for the long term. Transparency also smooths the way for working with multiple generations in a single family—making it possible for us to operate in Las Vegas, yet interact with clients in more than a dozen states across the country.

Discovery is another essential element of our approach. We spend time with you upfront to better develop a detailed picture of your life and the lives of the people important to you. We take a snapshot of your financial life, help you craft an individualized investment strategy that guides your investment approach, then help you implement those strategies.

Our dedication to families who choose to work with us is simple

We feel genuinely connected to your financial life—and we're going to care about you and be personally devoted to your financial future. Our relationship grows from a simple handshake to spending time getting to know you and your family. From understanding your financial objectives and personal goals to asking questions that push us closer to the insights and answers we need. From helping you create your individualized financial strategy to developing tactics that can work within it. Together, these steps comprise much of the work we do on your behalf. They represent our commitment to you—and it will continue for future generations.

We welcome the opportunity to bring our extensive experience to bear on your family's circumstances—and pursue a positive outlook for your life.

We believe all successful long-term investing is goal-oriented and strategy-driven

Part of what makes us different is a simple, direct idea that informs everything we do: Clients are people, not portfolios. Remembering this, we're able to focus our attention on helping you align your portfolio with your long-term interests, as well as those of your family and your business. Your individualized investment strategy is an outgrowth of this idea. It defines how you can get from point A to point B—from where you are today in terms of retirement planning, to where you want to be.

When we begin working together, we'll establish your time horizon, liquidity needs, risk tolerance and investment objectives. Only then will Andy create an investment strategy. He uses his experience and insights to help guide your investment approach, and can carefully identify, evaluate and help you monitor your investment holdings. He will also review your accounts with you periodically.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch 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.





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.