Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
Changes in life can require changes to your investment approach. Whether it’s a small or significant event, we don’t assume what was right for you at one time may also be right at another time. Our financial advisors can offer you the resources and investment choices—along with access to banking services from Bank of America—that can help you position yourself for the
retirement lifestyle you desire.
For years, John Doscher has crafted real-world, risk-managed strategies around personal and financial objectives that he helps clients identify, prioritize and accomplish. Some clients want to know what’s required to send children to college, to enjoy the retirement they envision, how to effectively inherit and distribute assets, purchase a first or second home or refinance a mortgage. Regardless of a client’s situation or ambitions, he believes that “planning is everything” and that getting out in front of their needs is essential to providing superior wealth management. That’s why he encourages both spouses to talk frequently with him. He also does everything possible to educate “the next generation” in client families, so that wealth and wisdom can be passed along.
John has always believed that clients deserve to rest easy, especially when the markets don’t. That’s why, he tends to focus on generating income, prudent growth and tax efficiencies – what he calls “blocking and tackling.” With decades spent in institutional and advisory roles, John uses Merrill portfolios and selected managers for specific investments to help clients reach goals they find personally meaningful.
His clients include successful men and women – telecom, media and other corporate executives, attorneys, accountants, entrepreneurs and generations of families in more than 15 states. Most clients are eyeing rewarding retirements and preserving their wealth with reasonable growth and yield.
His wife, Madeline, is a Spanish teacher and native of Puerto Rico who worked in fashion in New York City, where they met. They have two daughters and two young grandchildren. When time allows, he enjoys spinning, skiing, snowshoeing, tennis, and travel to Spain and Puerto Rico. John paid for college driving school buses in Denver and building the original ski lifts for Keystone and Copper Mountain Resorts. At the University of Denver, he was a member of Beta Theta Pi, threw the javelin for the varsity track team, and raised Alaskan Malamutes.
John follows the deep-seated Merrill tradition of participating in the communities we serve. This drives his interest in spending time volunteering with organizations in his community. In addition to having assisted HomeFront Inc. with community-based home renovations, he currently volunteers for Merrill-sponsored events, local high school events and youth coaching. John is happy to say that he has met many clients and closest friends through local community activities.
University of Denver
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Supported by the global resources of Merrill, my 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.
Bank of America, N.A.
Wealth Management Banking Specialist
Wealth Management Lending Officer
Bank of America, N.A.
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.
We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
We will work to help you stay on track, regardless of what the markets are doing.
Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.