Trinkoff Wattick Group

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Trinkoff Wattick Group

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Merrill Lynch
Wealth Management
"We strive to be the kind of financial advisors clients have been searching for—knowledgeable, responsive and attentive to detail. Every member of our team is dedicated to delivering exemplary client service."

-Michael Wattick

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Welcome

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 your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

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We Value Candor and Close Contact

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.

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A Defined Process With a Personal Touch

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:

  1. Discovery: In our first meeting, we learn all we can about the prospective client's personal and family concerns, values and motivators, as well as financial goals and objectives.
  2. Diagnosis: In our second meeting, we present wealth management strategies based on what we have learned.
  3. Commitment: At our third meeting, The Trinkoff Wattick Group and the client confirm a mutual decision to work together.
  4. Follow-up: We have additional meetings that we prefer to hold 45 days and 90 days after the client relationship begins, to address concerns and review progress in implementing a wealth management strategy.
  5. Ongoing: We are committed to reviewing this strategy periodically so that we can make adjustments to pursue the client's evolving needs.

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.

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A Strategic Approach to Investing

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.

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.

Michael Wattick

Forbes “Best-in-State Wealth Advisors”  2019

Get To Know Us

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.

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.

Regular reviews to help you stay 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.

    Monitoring changes in your life 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.

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    Access to what you need, when you need it

    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

    • Your advisor is never more than a click away within our site or mobile apps
    • 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

    *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. Merrill Lynch Wealth Management 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.

    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.