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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 women and men 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.”

Amid the unprecedented financial and emotional uncertainty of 2020, our commitment is being put to the test. During this challenging time, we continue to serve as trusted "financial and life advisors" to an accomplished, well-educated clientele in New Jersey and more than 15 other states. Holding clients in high esteem — and holding their hands when questions arise — we deliver the type of financial acumen and attention they may not have experienced in a previous advisory relationship. We think it is noteworthy that our clients introduced us to more individuals in the first half of 2020 than at any time in the past.

Who do we serve? Successful women and men including senior-level technology and pharmaceutical executives (many with restricted stock and option benefits), business owners, active and retired physicians and attorneys, as well as family offices, foundations, widows, widowers and generations of families.

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.

Our mission is guided by the acronym "IHAD" which stands for Integrity, Humor, Advocacy and Dependability. These four words remind us that delivering superior wealth management demands our ability to treat each client as a person, not as a portfolio.

Each day, we do big and little things for clients -- some expected and some not. 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.

As a prime example, we have anticipated questions and proactively addressed the implications of the CARES Act and the SECURE Act as they pertain to each client's situation. Amid this new landscape, we "threw away our calendars" and contacted clients without hesitation, for one-on-one discussions. Working with both spouses whenever possible, we continue to help them explore and in some cases, reimagine their visions of the future.

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.

  • 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” 2017-2020

Forbes “Best-in-State Wealth Advisors”  2018-2020

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.

Tricia Kropp

Tricia Kropp

Trust Specialist

Bank of America, N.A.

Gregg S Tedeschi

Gregg S Tedeschi

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1055367

Diana Sofia De Jesus

Diana Sofia De Jesus

Wealth Management Banking Specialist

Merrill Lynch

Past Events

Becoming a Better Decision Maker

July 28th, 2020|5:00 PM - 6:00 PM EDT

Ken Haman Invitation _002_.pdf

    Your Financial Approach

    We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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
    Taking care of your family and other people in your life
    • Trust & Estate Planning Services4
    • Education Funding1
    • Insurance3
    HEALTH
    Planning for healthcare expenses now and in the future
    • Long-term Care Insurance3
    • Health Savings Account2
    • Disability Insurance3
    HOME
    Upsizing, downsizing, remodeling or buying a vacation home
    • Home Loans2
    • Home Equity Lines of Credit2
    • Securities-Based Lending2
    • Credit Cards2
    WORK
    Working in retirement, selling or starting a business
    • Bank of America Business Banking2
    • Exchange Funds1
    • Concentrated Stock Management1
    • Succession Planning1
    LEISURE
    Spending your free time in meaningful ways
    • Credit Cards2
    • Securities-Based Lending2
    • Structured Lending2
    GIVING
    Volunteering, mentoring others and giving to charities
    • Donor-Advised Funds4
    • Private Foundations4
    • Charitable Trusts4
    FINANCE
    Using your finances to bring it all together
    • Merrill 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

    1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
    2 Banking, mortgage and home equity products offered by Bank of America, N.A.
    3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
    4 Trust and fiduciary services are provided by Bank of America Private Bank.

    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 approach, our goal is to help you stay on track to achieve what's most important to you.


    Periodic 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.


      Monitoring 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.

      Wealth Management Your Way

      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.


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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.

        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.