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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Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Frank A Hayn

Forbes "Best-in-State Wealth Advisors" 2019
Published on February 20, 2019. Rankings based on data as of June 30, 2018.

Get To Know Us

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.

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


At Hayn & Associates, we measure our success by the tenure of our relationships with clients, the referrals we receive, and our ability to facilitate positive outcomes for clients and their families. We feel privileged to help clients solidify financial foundations on which they can enjoy well-deserved lifestyles and build meaningful legacies. 

As a multi-generational team, we encourage clients to step back and examine their wealth and wishes from a long-term perspective. By helping them identify and prioritize goals they deem meaningful (yet may not have considered previously), we can help accomplished individuals accomplish more – for themselves, their children, grandchildren, and causes they wish to support.

Who do we serve? Senior-level pharmaceutical executives, physicians and attorneys, divorced and widowed men and women for whom we extend ourselves professionally and personally to help them regain financial certainty and confidence. We also assist many successful people from different walks of life who are nearing retirement and need a cohesive strategy that encourages fact-based decisions, rather than emotional ones. 

While our clientele resides in over 20 states and is certainly diverse, we do our best work for those who ask for our opinions, listen, and heed our advice. As a result, we tend to attract busy individuals who don’t have the time or inclination to manage the myriad details of their financial lives. Based on the tenure of our client relationships, we believe they find value in our relationship – and we expect that you will, too.


At Hayn & Associates, we believe that knowing you well is instrumental in how well we serve your needs. That’s why we take the time to fully comprehend and appreciate you – long before offering financial advice and guidance.

Establishing milestones — or stepping stones, as we prefer to say — is something we tackle together. Why? Because the right wealth management path for you includes meeting the challenges you face today and may face tomorrow. 

At the foundation of our planning-based approach is our recognition that your personal and financial goals are yours alone. Additionally, your preferences for working with us may be different from other clients. You may wish to talk often, or infrequently. Given a challenge, you may want to call us or meet at your kitchen table. We take no “cookie-cutter” approach, because we have no “cookie-cutter” clients.

As a “first call” for many clients, we are devoted to a highly professional and proactive standard of client care – one that is especially critical when your family issues take precedent. If something keeps you awake at night, we want to know the next morning. We take each your financial and emotional wellbeing personally – as if serving our own families.

In serving clients nationwide, we travel to ensure that distance doesn’t compromise our ability to act as high-caliber stewards of client wealth. In those meetings, we spend time talking about clients’ children – and our own – clients’ professions and passions. We also make time to review clients’ wills, health care proxies and other important documents.

Experience tells us that clients come to us for many reasons. Often, they’ve accumulated wealth, inherited wealth, or their kids have graduated and they’re looking toward a fulfilling retirement lifestyle. Other times, they realize that financial decisions are too time-consuming or challenging to handle on their own. We admire clients for their values and appreciate the value they see in us. We feel privileged to manage their assets, liabilities and expectations – as we would, yours.


At Hayn & Associates, it’s natural for us to look at financial matters from a multi-generational perspective. Thanks in great part to this perspective, Frank Hayn, his daughter, Kelley Mack, and our other team professionals have come to serve two, three, and four generations of families – hardworking people who appreciate our multi-generational heritage and approach.  

To provide the depth and breadth of “family wealth” planning that each client deserves, we strive to understand the situations and ambitions of all stakeholders. From familial relationships with clients and open communications come strategies that include risk-managed investing, education and retirement planning, gifting, wealth transfer and more.

In addition to our ability to help creating lasting client wealth, our team’s ages align nicely with those of clients at each life stage. This bolsters our competency in exploring family dynamics. By hosting family meetings and retreats, we can gain a genuine sense of what drives clients’ ambitions and concerns. Additionally, we make it our business to help “the next generation” view the responsibilities and opportunities of family wealth.

To help clients enjoy tax efficiencies and benefit from effective wealth transfer strategies, we often work in concert with clients’ CPAs and attorneys. Contributing to the longtime satisfaction of client families is our readiness to call upon specialists at Merrill, Bank of America Private Bank, and Bank of America, N.A. Bringing the right people to the table offers clients a blend of sophistication, resourcefulness, and an extra measure of unbiased insight. 

Each of us feels proud to help clients pass along wealth and wisdom to the next generation. We welcome the opportunity to work with you, as well, to help satisfy the goals you set for yourself and those you love.


At Hayn & Associates, we offer each client family what we call “a wealth of knowledge, know-how and know-you.” As our client, you can expect that we will:

• Look broadly and strategically at ways to put your wealth to work. Our 360-degree, planning-based often leads to highly customized and realistic portfolio, retirement, liability management, tax minimization and estate planning strategies. We also look for “missing pieces” that a previous advisor may have ignored – the need for long-term care insurance, as an example.

• Offer heartfelt assistance when you face life’s most difficult transitions – losing a spouse or other family member, going through divorce, or caring for an elderly parent or special needs child. We embrace our roles in supporting clients’ emotional health and physical wellness. 

• Build an open and trusted relationship with you, which we believe is essential to your financial comfort and success. We find that the lifelong bonds we form with clients result from listening, learning and committing ourselves to serving their best interests. We can also coordinate with your attorney, so that decisions are aligned with your overall strategy.

• Strive to “make money in good markets and earn it, in bad.” Before crafting your portfolio, we examine geo-political factors, interest rates, expectations for inflation, and utilize our firm’s exceptional research. We also explain our recommendations whether we address your concentrated positions, non-qualified stock options, restricted shares, or build your portfolio from scratch. In every case, we aim for tax efficiency, as it relates to your situation.

•Scrutinize and work to enhance both sides of your balance sheet. We provide ready access to residential, securities-based and commercial lending through specialists we know well at Bank of America, N.A.

• Continue to address the evolving complexities in your financial life. By helping to organize and optimize distinct areas of your financial picture, we can help you fulfill your vision of a life enriched by the people and passions you hold dear.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

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.


    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.


      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.