Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Euan Wilson

Our Videos

Insights, observations, and ideas to help you in your pursuit of your financial goals.

Important Video Disclosures

Learn about our practice and the resources we offer to support you on your financial journey.

Profile

I focus my career on Attorneys, Corporate Executives, and Business Owners hitting their career stride. It's a source of great pride working with those who have newly "made it", whether that's because they've been made Partner, enjoyed a successful business exit, or have steadily climbed the corporate ladder into that vaunted corner executive office. 

And because these clients reached the top because of their dedication to their careers, I (politely) must insist on a full advisory relationship and urge clients to bring in their partners and spouses early: I find it critical that both halves of the client's house have a trusted relationship with me. When both clients are on the same page of a financial journey, goals become that much more possible. 

My clients have a lot going on: Attorney Partners want to understand their firm's arcane retirement plans and firm capital requirements and provide for their family. Business Owners want to protect the result of everything they've spent a lifetime of work building and provide for their family. And Corporate Executives want to make sure their equity compensation is managed in the most efficient manner without exposing them to too much concentration risk... and provide for their family. 

With eight years experience in wealth management, fifteen total years in finance, and my own family to provide for, it's my pleasure to serve you.

  • LANGUAGES

    English

  • EDUCATION

    University of Georgia

Additional Resources

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.

Conor O'Keefe

Alternative Investments Regional Specialist

Bank of America, N.A.

Blerta Shasivari

Wealth Management Banking Specialist

Merrill

Eli Poupko

Private Wealth Strategist

Merrill

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, 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

Frequently Asked Questions

1. What types of clients do you work with?

While most of my clients are company executives and attorneys, I do work with a wide range of clients, from HENRY's just starting out on their financial journey (High Earners Not Rich Yet) to retirees who are finished with the accumulation phase of investing and now are focused on letting their portfolio work for them for once. I recognize that's a busy way of saying "pretty much everybody."

2. What is your track record?

No advisor can or should promise financial results. And beware of those who do. What I can assure you of is an appropriate allocation based on your goals, accumulations, risk tolerance, and timeline in question - and that you and I will have regular contact to review whether we're on track.

3. What will our relationship be like — how often will we connect?

There is no one-size-fits-all answer to this question, but essentially as often as you feel comfortable. An advisor should be committed to communicating with you in person, by phone or online — whatever your preference is — as often as you require. Every client has different needs and expectations. Don’t be shy. Be upfront about how frequently and by what means you would like to get together to discuss your finances. Some people prefer a more formal relationship with regularly scheduled meetings, while others might be more comfortable with a less structured, more relaxed approach. Make your personal preferences known from the outset. Remember, I work for you.

4. How can you help me stay on track as I pursue my goals?

To have the potential to realize your goals, you have to clearly define them first. Even if you have a pretty clear idea of what you want to accomplish with your money, our conversations should help you better understand and prioritize how you might get there, including helping you recognize any trade-offs you may need to make based on your finances, time horizon, risk tolerance, cash flow needs and investing preferences. Life has a way of changing too — sometimes without notice — and I encourage you to check in whenever your situation changes so that you can discuss any course adjustments you might consider to help you stay on the right track.

5. Can we discuss investment choices that align to my values and are appropriate for my situation?

The choices you make every day — from where you choose to eat to the companies you choose to invest in — can be a reflection of your deeply held beliefs. I can suggest investments that take your values and best interests into account — whether your concerns are about the environment, social responsibility or corporate governance. These investments should also be vetted with the same rigor as other more traditional choices so that they are aligned with your other investments.

6. Will you call me if the markets are volatile?

One word: Yes. When the markets get scary, there’s nothing worse than feeling isolated and alone. One of my most vital functions is to reach out to you at such times, hear your concerns, offer perspective and talk about whether you should consider any adjustments to your financial strategy.

7. How do I pay you for your work — and how much will it cost?

It’s never an easy question to ask, but advisors should always be upfront on this. Merrill's Investment Advisory Program charges a fee based on assets with us, and the larger our relationship, the more my fee steps down. I will tell you candidly those percentages on our first call. As for how they are charged, allocations typically have a small dedicated to some cash, and fees are billed from there. 

Philosophy

New law firm partners tack an extra zero on their paychecks, but have a new lifestyle to fund, firm capital to pay in, and complex firm retirement plans to understand before they truly know what their full compensation is going to look like. Not to mention all the new "fresh partner expectations" they have to meet.

Newly promoted corporate executives may also tack on that extra zero, but so much of that compensation may not be coming in the form of a paycheck. A large percentage might be stock options or RSUs with a lengthy vesting schedules and wildly different taxation rules. Concentration could be an issue, and then there's the fearsome lifestyle creep. That's a lot to take care of on top of all the new responsibilities.

You should talk to someone who's been down this road with clients before. I focus my practice on professionals hitting their career peaks because right when it seemed like there already weren't enough hours in the day, suddenly there's so much more to take care of personally even as professionally things are still ramping up. I make sense of the complex, keep things straightforward, and win hours back into your day.

Approach

Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Staying on Track

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.



Reviews to help you
stay on track

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.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    #DigitalMerrill

    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

      Let’s Have a Conversation

      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.

      Why Merrill?

      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.


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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.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      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.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.