The Heim Group

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Merrill Lynch

The Heim Group

Wealth Management
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Merrill Lynch
Wealth Management

In the spirit of helping successful clients address their most cherished goals and heartfelt concerns, we apply our distinct financial experiences and uncommon level of personal care.

The Heim Group

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Welcome


At The Heim Group, we believe that most investors don’t expect enough from their financial advisors. Certainly, investment prowess is important. But ambitious individuals with complex needs deserve much more.

Having earned our stripes in the worlds of accounting and institutional investing, we bring specialized knowledge and enlightened perspectives to each client relationship. Equally important, we are passionate about doing everything possible to drive positive financial outcomes. In fact, we have long subscribed to the notion that “going the extra mile for clients is never going out of our way.”

For 20+ years, we have served an accomplished, well-educated clientele in New Jersey and more than 15 other states. Our clients include senior-level technology and pharmaceutical executives, successful business owners, active and retired physicians and attorneys, as well as foundations, widows, widowers and generations of families. Holding clients in high esteem — and holding their hands when challenges arise — we deliver the type of financial acumen and attention they may not have experienced previously.

By treating clients like family, we find it fulfilling to bring comfort and confidence to clients. Through comprehensive planning that continues over time, we stay in touch and on top of each client’s circumstances. Doing so allows us to help clients “see around corners” at likely and unlikely circumstances for which our strategies help them prepare.

If you are seeking a sophisticated, high-caliber level of financial advice, we look forward to showing you that managing the opportunities and challenges of wealth can be a rewarding experience.

Caring


At The Heim Group, we see clients not only as successful individuals, but as busy parents hoping to provide for their children, as new retirees about to embark on a new lifestyle, as senior executives looking to optimize concentrated positions, as widows re-defining their goals, and as grandparents concerned about passing along wealth and wisdom.

Each day, we do big and little things for clients — some expected and some not. In all cases, we feel fulfilled by demonstrating our integrity, sincerity and dependability:


  • Our commitment to provide superior wealth management demands that we do so in a way that caters to each client as a person, not as a portfolio. By recognizing the people and passions in a client’s life, we can help with financial decisions that require multiple considerations.
  • For corporate executives and business owners — often with personal assets/linked too closely to the fortunes of their firms — our team is well equipped to help strike a balance in building and preserving their wealth. For example, we have extensive knowledge of concentrated stock and the emotions that may come with it. In addition to helping clients comply with SEC rules, their company’s trading restrictions, and equity reporting requirements, we help entrepreneurs with pre-IPO planning.
  • We proactively “recognize and recommend” when opportunities present themselves. In addition to actively managing a client’s portfolio, we look at their investments held elsewhere — to help avoid overlap. We also may suggest refinancing existing debt, reviewing insurance protection and estate-related documents, or introducing alternative investments where appropriate.
  • When clients feel a loss of control at times of personal hardship, we bring them open hearts and minds. In fact, we often share our own experiences to “accompany clients” in moving forward. Some clients need to better understand the tax ramifications of an inheritance, selling a concentrated position, or purchasing a second home. We recognize the impact we can and do make on the lives of clients. If a client is struggling with a challenge that we can solve, we will take the necessary steps to help.

 

In addition to our team’s nuanced insights, we allow clients to benefit from others we’ve assisted in similar positions. We feel fortunate to have long memories and relationships. Speaking for our entire staff, we are as proud of the referrals we receive as the results we deliver.

Planning is Everything


At The Heim Group, we find that wisdom is our reward for a lifetime of listening, rather than talking. In fact, as seasoned and sensitive advisors, we are often surprised by the expectations of new clients. Most have only an inkling of the care and capabilities we bring to the table.

Many new clients believe our investment skills are a key differentiator of our offering. Certainly, we are proud of how well we manage risk and opportunity in client portfolios. After all, we have decades of specialized experience as institutional investors. However, a hallmark of our approach is the comprehensive planning process we’ve honed for many years.

Through friendly and frequent conversations — rather than formal and calendar-driven discussions — we prefer talking to clients one-to-one, at their convenience. Working with both spouses whenever possible, we help them explore, identify and prioritize their visions of the future:


  • We ask questions, “What brought you here and who was most influential in the decision? What’s your experience with investing? Who are you responsible for — an elderly parent, a grandchild, your employees? What's your biggest financial concern?” Helping clients articulate their definitions of a fulfilling life helps us work more effectively with them.
  • As active facilitators, we “sit next to clients,” not across from them. Put another way, we look at matters from each client’s perspective rather than our own. This reminds us to focus on results that hold meaning for clients and minimize their effort in achieving them.
  • We serve as a resource for our highly educated, time-strapped clientele. With little time to stay updated on concentrated stock positions, education funding or market dynamics, most clients prefer talking about their families and hobbies. By listening, we learn. Later, we work behind the scenes to address their goals and pieces of their financial puzzles that may have been ignored previously.


Whether a client is expanding an enterprise, moving up in his or her company, or retiring and moving out of town, we help them visualize their full financial picture — from investments and insurance, to liabilities and beneficiaries. From there, a multi-pronged strategy evolves that embraces a client’s financial realities and personal preferences. Like the clients we serve, we are highly motivated. It is incumbent upon us to deliver tangible benefits and consistent value — beyond dollars and cents.

Focusing on Tax Efficiency


Given decades spent in the accounting sector, Christine Heim and The Heim Group pay special attention to optimizing and maintaining tax efficiencies on behalf of each client.

Rather than focus on tax consequences only once each year, we maintain a watchful eye on a client’s tax consequences — so that benefits can be enhanced on an ongoing basis. Additionally, we work closely with clients, their CPAs and attorneys throughout the year — to align our efforts, strategies and tactics.

When it comes to building a client’s portfolio, we may rely on institutional managers for tax-exempt investing. We also seek to harvest investment gains and losses when advantageous from a tax perspective. When serving clients with concentrated stock and 10b5-1 plans, we continuously examine their situations, so that appropriate and timely steps can be taken. With a deep understanding of a client’s long-term goals — for retirement, wealth transfer, business succession, and/or charitable giving — we exercise “tax-diligence” in several meaningful ways.

Of course, our efforts require an extra measure of time that many advisors do not expend. However, we believe that clients deserve our very best and extended efforts when positive results can be achieved.

Recognition

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

Christine F Heim

Forbes’ “America’s Top Women Wealth Advisors” 2017, 2018 & 2019

Forbes “Best-in-State Wealth Advisors”  2018 & 2019

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.

Gregg S Tedeschi

Gregg S Tedeschi

Wealth Management Lending Officer NMLS # 1055367

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to achieve what's most important to you.

<br />Regular reviews to help you stay<br />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.

    <br />Monitoring changes in your life<br />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.

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      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 Wealth Management 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 Wealth Management Advisor.

      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, 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.