Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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What matters most to you – and what brings you here? Perhaps you have investments in different places and no clear strategy that connects them to your financial goals. Or maybe optimizing and organizing your financial life requires time you simply do not have.
At The Hirsch Stabile Group, we work closely with highly accomplished individuals and organizations who are as motivated as we are. And rather than categorize these ambitious clients by arbitrary guidelines – such as age or life stage – we view each of them as having specific financial, personal and emotional characteristics that dictate how we can serve their best interests.
As longtime proponents and practitioners of Goals-Based Wealth Management, we put each client at the center of a highly personalized and integrated financial strategy. This allows us to look forward with clients, to help them prepare for distinct opportunities and challenges (both likely and unlikely).
We also find it beneficial to serve fewer clients and continue to expand our team – and therefore, have the ability to deliver more value than they might have found elsewhere. Please use this website as a way to learn about us – and how we can assist you.
Overseeing over $1 Billion in client assets as of September, 2018, our goal is to act as a steward of your wealth by creating and implementing creative planning and investing strategies that grow assets responsibly in up markets, while providing improved downside capture during challenging markets, so that personal meaningful life goals are not compromised. Helping you to achieve your goals is the most important aspect of our relationship and regular interactions. We remind clients, “What you’ve accomplished is a given. Where you go from here is how we can help.”
As such, asset allocations are methodically devised and driven by client goals, not by short term market conditions. We inherently believe in increasing risk exposure to assets we want to own for the very long term during market, sector, or company corrections. We believe the world is flat, invest globally, tax efficiently, and systematically. For clients with low liquidity needs, we capitalize on illiquidity premium by allocating to private equity. We are data driven, not emotion driven, and strive to educate and coach our clients on the benefits of doing so.
As goal-based financial advisors, we begin – not with investments – but with our Behavioral Discovery Process during which we ask questions, listen and learn about “life factors” that distinguish you from everyone else. We want you to know about your experience with investing, your life, family and achievements. What are your “hot” issues and what’s been in the back of your mind for awhile?
You have a unique personality, circumstances, and aspirations. We take no shortcuts to embracing your objectives – and crafting a smart, disciplined and defined strategy to help meet them. As part of your systematic process measurement, we provide clear updates on your progress to achieving your goals, but from an investment and planning perspective.
Most importantly, our clients tend to be most focused on family, community, and career. Our systematic service model, driven by the Hirsch Stabile Client Calendar, helps to give you back the most precious resource of time as you outsource your financial needs to our team as a trusted resource.
To help you enjoy meaningful, real-world outcomes, we will:
Entrepreneurs & Business Owners
Whatever your specific needs, the Hirsch Stabile Group helps entrepreneurs and business owners balance their personal lives with their life’s work. We help can help you to plan and prepare for liquidity events or a transition out of your business – ideally a year to eighteen months prior. In advance of and throughout a sale or acquisition cycle, we develop timetables and strategies, often in concert with tax advisors, trust attorneys and investment bankers. We are dedicated to providing the experience and resources of Bank of America/Merrill Lynch to support your ongoing success.
Executives – Public Companies
We understand the complexities that come with your executive position and extreme demands on your time. For executives at public companies, we can help you manage the risk of concentrated stock while navigating complex SEC rules, trading restrictions, and reporting requirements. We aim to balance “career risk and investment risk” through hedging, liquidity and diversification strategies. We develop asset allocations built around concentrated wealth, which is at times illiquid, to help ensure you are properly managing risk holistically.
Executives – Financial Companies
Executives that work in Private Equity, Venture Capital, Hedge Funds, and other asset management and financial service based sectors all require unique planning and risk management. The not too distant events of 2008 helped us to create a custom platform that helps to holistically manage risk and asset allocation. There are also opportunities for creative wealth structuring encompassing illiquid wealth. Financial executives are best served by our team’s process to optimize your balance sheet, which includes creative cash management and custom credit strategies.
On behalf of attorneys, we work to appreciate the intricacies of their partnerships. When formulating a tax-deferred retirement strategy, we consider the effect of partnership equity, a client’s 401K, defined benefit, cash balance plan, and other vehicles. This is especially important for attorneys in transition.
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.
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.
Senior Wealth Management Lending Officer NMLS # 642155
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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.