Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
The Trinkoff Wattick Group has more than 50 years of collective experience guiding wealthy families in pursuing their financial goals. The clients we serve are a select group that includes business owners, professionals and corporate executives. We aspire to be the preeminent wealth management team in New Jersey, and we are proud to be a part of the thriving and economically diverse city of Summit.
David Trinkoff and Michael Wattick are brothers-in-law as well as business associates. We are a family, and our approach to wealth management is rooted in a desire to help other families grow and preserve their wealth for generations to come. Many of the client relationships that we began by offering financial advice and guidance to individuals now extend to their parents, children and other family members as well.
We believe that financial advisors—like physicians, attorneys and other professionals—should spend most of their time with clients. By taking the time to listen and to learn what is most important to clients now—and what is likely to be important in the future—we believe that we can offer the insights they need to make better-informed financial decisions.
The more we know about clients and their families, the more effectively we can assist them in clarifying their financial goals and staying on track to pursue them. In our view, open and honest communication is essential to designing a wealth management strategy that evolves along with client needs. We are not afraid to disagree with clients if we think their approach to financial decision making may not be serving their best interests.
In our work with families, we are sensitive to the needs of different generations, as well as concerns such as caring for aging parents or children with disabilities. At the clients' request, we can engage with other members of their professional advisory team to give guidance on financial strategies that address retirement income planning, estate planning services, gifting, time horizon, liquidity needs, risk tolerance and other needs.
We can also offer access to the broad resources of Bank of America, including cash-flow management services, as well as credit and lending capabilities.
Our approach to wealth management is process-driven, yet highly personalized. Clearly defined and disciplined processes drive everything we do, from bringing new clients on board to allocating investment assets and reviewing investment portfolio performance. Disciplined does not mean rigid, however. Close client relationships are the core of our business, and we strive to be accessible whenever clients have questions or concerns.
We invest considerable time in learning about prospective clients, and helping them learn about us, even before we decide to work together. Our step-by-step process focuses on:
As part of our regular communication process, we conduct periodic reviews to discuss each client's investment portfolio performance, expectations and progress toward meeting specific financial goals. Our goal is to meet face-to-face for at least one of these sessions each year.
Although performance reviews offer opportunities to learn more about changes that may affect financial circumstances, we have found that surprises are rare. We believe that is because our commitment to frequent, close contact keeps us aware of important developments in clients' lives.
Our family approach to wealth management is reflected in the way we guide you in designing and managing your investment portfolios. While individual allocations may differ based on the client's objectives, time horizon and risk tolerance, the underlying investment philosophy is the same for clients as it is for us.
That philosophy is a simple one: The core equity portfolio seeks to deliver absolute total returns through diversification by stock, sector and market capitalization, as well as global investment opportunities. Our approach to portfolio management is dynamic and enables us to take advantage of opportunities for tactical allocation and rebalancing.
The weightings we recommend for individual investments are determined by using a quantitative, rules-based approach. We understand the importance of managing risk, and we seek to reduce risk exposure under extreme market conditions through a systematic exit strategy.
We recognize that each client has a different set of investment goals and objectives, as well as personal preferences and tolerance for risk. If we think it suits a client's needs, we may recommend satellite portfolios that reflect a wider range of sectors and investment styles. These may include sectors that we believe are undervalued, as well as international investments and alternatives such as gold and real estate.
Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.
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 give you peace of mind* that you're on track to help 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 destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
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.
As Merrill Lynch financial 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.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, 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.