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The Lorenz Wealth Management Group
- phone
609.243.7950
- address
7 Roszel Road
Floor 04
Princeton, NJ 08540
Merrill Lynch
Wealth Management
Our relationships are built on trust in knowing that we put our clients first in everything we do – our 40-year record of client satisfaction and achievement is something that motivates us every day.
The Lorenz Wealth Management Group
Our Profile
Fred Lorenz, CFP®, CRPC®, CPFA
Fred began his career at Merrill in 1983 after graduating with a degree in Commerce from Rider University. He was fortunate to partner with his father who taught him life lessons that no textbook could offer – to be a person of value to others and the importance of a strong work ethic. For more than 39 years, Fred has lived by these principles while keeping his client’s best interests and goals in mind. He strives to exceed client expectations through exceptional financial strategy, planning and service.
Fred is a CERTIFIED FINANCIAL PLANNER™, CFP® professional awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Certified Plan Fiduciary Advisor CPFA, and a Chartered Retirement Planning Counselor CRPC® designations. With their extensive experience in investments, financial strategies, insurance and education, retirement, as well as estate planning services and tax minimization strategies, Fred and the Lorenz Wealth Management Team can accommodate every aspect of their client’s financial needs. In addition to working with individuals and businesses, Fred takes great pride in working with multi-generational families who trust his guidance and acumen with their loved ones. Fred also focuses on planning for families with multiples that often need solutions for their unique financial challenges.
Fred was recognized as one of Forbes “Best In-State Wealth Advisors” 2019, 2020, 2021 and 2022 (published annually Jan - April. Rankings based on data as of June 30 of prior year)
Fred lives in Yardley, PA and is married with four grown children, including triplets – two of whom work for Merrill. Fred enjoys community outreach, especially working to help the children of Urban Promise, Trenton. His favorite pastime is spending time at the beach with his extended family, and when wind conditions allow, sailing on the Barnegat Bay.
Karlie Lorenz, Financial Advisor, CFP®, CPFA
Karlie takes pride in establishing meaningful client relationships by developing a deep understanding of their financial situation and goals. Karlie holds the Certified Plan Fiduciary Advisor, CPFA designation and is a CERTIFIED FINANCIAL PLANNER™, CFP® professional awarded by the Certified Financial Planner Board of Standards, Inc. Karlie helps clients take advantage of the full breadth of what Merrill has to offer. She assists clients with investment advisory, retirement planning, education planning, insurance, and trust needs. Karlie is passionate about volunteering and currently serves on the board of UrbanPromise Trenton. When not working, she enjoys spending time with her extended family in Long Beach Island, NJ. Karlie is a graduate of James Madison University and currently lives in Philadelphia, PA.
Drew Lorenz, Financial Advisor, CFP®
Drew is a third-generation Merrill advisor and takes a client-focused approach to wealth management. He listens carefully to gain an understanding of his client’s priorities and goals and leverages the vast resources of Merrill to meet their needs. He is proud to be a CERTIFIED FINANCIAL PLANNER™, CFP® professional awarded by the Certified Financial Planner Board of Standards, Inc. and is committed to serving clients in all facets of their financial life including retirement planning, portfolio construction, and estate planning services. Drew earned a Bachelor’s degree in Finance and Minor in Entrepreneurship from the University of Miami. When not serving clients, he enjoys deep sea fishing and sailing off the coast of New Jersey.
Lori Belmont, Registered Senior Wealth Management Client Associate
Lori began her career at Merrill Lynch Wealth Management in 1979. In 2008, Lori was awarded the designation of Essential Service Partner. She has been a valued partner in our practice since 1983. Lori is responsible for client account maintenance and client service requests. Her experience and knowledge has been critical to the success of our business. Lori lives in Hamilton Square, New Jersey with her husband and two sons.
Our Mission
Our mission is to offer a comprehensive approach to managing wealth that begins with listening to a client’s needs and helping to ensure every strategy is grounded in understanding what each client wants to achieve. We provide access to the investment insights of Merrill and the banking convenience of Bank of America to help address the various aspects of clients’ financial lives. We are driven by our shared passion for delivering excellent service and helping clients pursue their goals. Since 1979, the Lorenz Wealth Management Team’s reputation for success has been built on years of providing the best financial guidance to our clients. We help them preserve their assets while working together to grow their overall net worth. We follow Merrill’s goals-based wealth management process: establishing objectives, setting and implementing strategies, and reviewing progress. In addition, our team often draws upon the breadth of Merrill’s in-house specialists in lending, banking, insurance, and trust services to bring a full range of resources to further meet client objectives. Our relationships are built on trust in knowing that we put our clients first in everything we do – our 40-year track record of client satisfaction and achievement is something that motivates us every day.
Philosophy
We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop an approach designed to help address your financial needs.
Approach
We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.
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 help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.
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.
Capabilities
Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.
Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).
Focus On Individuals, Families and Small Businesses
We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.
- 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 others and giving to charities
- Work: Working in retirement, selling or starting a business
- Finance: Bringing it all together and defining your financial goals
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.
Recognition
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.
Fred G Lorenz
Forbes "Best-in-State Wealth Advisors" 2019, 2020, 2021 and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.
Meet the 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.
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Karen Gower Hofrichter
Senior Wealth Management Lending Officer
Bank of America, N.A.
NMLS #589277
Deena Darkhabani
Wealth Management Banking Specialist
Merrill
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
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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.
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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.
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.
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