TSH Wealth Management Group

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TSH Wealth Management Group

John D. Snodgrass, CFP®, CRPC®
Terence M. Higgins, Jr.  CFP®


Whatever your personal goals may be, we will work with you to develop a customized financial strategy designed to help you pursue what's most important to you.

Meet the Team

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.

John D Snodgrass

John D Snodgrass

Wealth Management Advisor

516.498.3307
Terence M. Higgins, Jr.

Terence M. Higgins, Jr.

Wealth Management Advisor

516.498.3412
Judith Anne Reilly

Judith Anne Reilly

Client Associate

516.498.3346

Additional Resources

The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.

Michael K Costo

Michael K Costo

Retirement Specialist

Gary B Ehrlich

Gary B Ehrlich

Wealth Management Lending Officer NMLS # 589394

Where do we begin? It starts with you.

At Merrill Lynch, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

Our mission is to understand your priorities and to help you fulfill your life's most important goals.  Our relationship begins with a discussion about what you want to achieve, and how we can help you.  It is a privilege when we are given the opportunity to work with families towards reaching those goals.  We invite you to call us.

Our Philosophy

Wealth creates complexity, which is best addressed by having a plan. A wealth management plan is your roadmap.  It helps you manage your life wisely so that you can pursue your goals and dreams.  It can help ensure that you make well thought out decisions – decisions that will affect you and your family through generations.

We develop an understanding of your life, align your financial strategy with your goals, and work with you to help you pursue what’s most important to you.  This disciplined process is where effective wealth management starts.

The values we share as a team are closely aligned with those of the clients we serve. We build relationships based on trust and mutual respect.  On this foundation we help you navigate your financial life.

Our Process

We look to help preserve the wealth you have created by constructing a customized wealth management plan, and to help you faithfully execute and update the plan throughout your lifetime.

Our focus on planning allows us to add value in three primary ways:  Wealth Management, access to Portfolio Construction Services, and Advice and Guidance.

FIRST WE WORK TO PRESERVE YOUR WEALTH - our team is distinguished by integrated Wealth Management, which puts us in partnership with clients as we work with them to understand their investment goals.  Our years of experience working through the complexities of a family’s financial life is a cornerstone of our advocacy for you.

THEN WE WORK TO GROW YOUR WEALTH – Access to Portfolio Construction Services that focus on what we can control – costs, diversification, manager selection, and tax minimization strategies, in collaboration with your tax professionals.  Our disciplined, time tested investment process supports those objectives.

AND WE’RE ALWAYS THERE FOR GUIDANCE WHEN YOU NEED IT MOST - We believe the biggest influence on lifetime investment outcomes is investor behavior – making the best choices possible.  We will help you make these decisions, especially when it is most difficult and most important.  Your success is our purpose.

Our Commitment

INTEGRITY - Every client relationship is guided by the highest ethical standards and complete confidentiality.  Our team cultivates relationships based on trust and respect.  In deciding the right course for clients we never subordinate honesty and candor.

EXPERIENCE - We have years of experience and can provide access to retirement income planning services, trust and estate planning services, investment management, customized financing through Bank of America, and goals-based wealth management.

PERSONAL TOUCH - With a personal touch we deliver access to the vast resources of Merrill Lynch along with Bank of America’s banking products and services. We take the time to know each family’s unique needs, and offer a customized approach to wealth management.

Focus On Individuals and Families

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:

  • 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
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch 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
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 give you peace of mind* that you're on track to help 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
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 destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • 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 Lynch’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. 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 financial 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 financial advisor.





Transcript of Video

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 Lynch, 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.