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 collaboration 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 Wealth Management 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, 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.