Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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Michael & Associates was founded based on a simple premise: Provide assistance to affluent clients—individuals, families, senior executives and both public and private companies---in managing their financial assets over both the short and long term.
Our Mission requires us to constantly innovate in order to provide superior service to clients in today's rapidly changing investment world. In doing so, we strive to design and deliver customized investment strategies based on a solid understanding of the clients' risk tolerance, time horizon, liquidity needs and overall investment goals that provide the basis for the development of a well-conceived strategic plan. We are assisted in this by the breadth of an “open architecture” investment platform which provides access to investment management around the world.
The key to our success has been our “team approach” to working with clients and their advisors. We pride ourselves on our service model, and our focus on relationships, privacy, and delivering customized wealth management strategies for clients.
Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where you are today, and where you'd like to be tomorrow. We help you design, implement and monitor a customized wealth management strategy to help you and your family pursue your personal financial goals while managing investment risk. Our approach is focused on customized planning and optimizing your resources to help turn goals into reality.
Our Advisors also work to engage other family members in the financial decision-making process. Communicating openly with family members on the sometimes difficult subject of wealth and money can be a challenge. We help facilitate these discussions and offer opportunities to educate the younger generation about how assets may be managed.
Our clients are serious long-term investor. Understanding that every client is different, we employ a client centric approach in serving our clients’ investment needs. Taking into account individual risk tolerances and needs, a top down approach to the current market opportunities allows us to create efficient and optimized client investment portfolios to help them achieve their personal goals.
Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:
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 strategy 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 give you a sense of the full assessment and help us provide you with additional insights and resources.
Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.
We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.
Our ability to provide access to the investment insights of Merrill and the banking convenience of Bank of America allows us to devise strategies designed to help preserve, grow and distribute your wealth. We strive to exceed client expectations through our proactive approach to communication, our attention to personalized service, and commitment to continuing financial education.
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Barron’s 2018 “America’s Top 1,200 Financial Advisors: State-by-State”
Forbes “Best-in-State Wealth Advisors” 2018 and 2019
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.
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.
Wealth Management Banking Specialist
Senior Wealth Management Lending Officer NMLS # 644442
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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
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
We believe it’s important that you seek the advice and guidance of an experienced Merrill Lynch Wealth Management Advisor who can thoughtfully analyze your situation, identify strategies that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management strategy for the future.
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.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.