The Kass/Freeman Group

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Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Jonathan E Kass

 Barron’s “Top 100 Financial Advisors” in 2019 for the ninth consecutive year

Financial Times –“Top 400 Financial Advisers”  in 2013, 2014, 2017, 2018 and 2019

Financial Times –“Top 401 Retirement Plan Advisers” in 2015, 2016, 2017, and 2018

Barron’s Top 1,200 Financial Advisors in 2014-2019

Forbes “Best-in-State Wealth Advisors”  in 2019

Robert M. Freeman, Jr.

Brian A. Premo

Forbes “America’s Top Next-Generation Wealth Advisors”  list in 2018

Who We Are

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

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.

Jonathan Barry Rank

Jonathan Barry Rank

Senior Wealth Management Lending Officer NMLS # 642155

Mason Flinn

Mason Flinn

Director, Retirement Plan Manager

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

Welcome

Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

Our Approach

How do we help you manage wealth? By tailoring strategies to your unique goals.


At The Kass/Freeman Group, we believe everyone has a financial personality, as distinct as fingerprints. To help you manage your assets and income effectively, we work to understand your approach to money, how you earn and use it, and where you want it to take you. We can offer you strategies that evolve as your life and outlook change. The financial structure we envision for you at 55 will probably be far different than one we help you design at 75.

An emphasis on organization and efficiency

Our aim is to analyze the many key aspects of your financial world, from your income and expenses, to credit and debt, to investments, to how you plan to pass on your wealth. You'll get our opinion on what we believe is working and what areas could be improved. We want you to be able to spend less time worrying about financial details and more time doing the things you love.

What should your tomorrow look like?

In addition to helping you manage your financial picture today, we can help you prepare your assets, income and expectations for tomorrow. Whether you want a more traditional retirement filled with leisure activities, or plan on moving to a new career, a new business or a new land, we can customize investment, income and distribution strategies designed to help support the life you choose. We can also offer advice and guidance on advantageous ways to transfer wealth in your lifetime and beyond.

Our Philosophy

Our investment philosophy? We focus on helping to preserve wealth, seeking sensible growth and carefully watching risk.


"What should my portfolio look like?" This is a question we find at the forefront of virtually every client's mind. By and large, these are investors who have been smart about accumulating wealth, but understand that today's financial markets look and act differently than even just a few years ago. At The Kass/Freeman Group, we take a disciplined approach to investing that stresses diversification while seeking to take advantage of current opportunities.

Seeking to preserve capital

As a client, you're probably interested in using your wealth to support your dreams and those of your family. We can offer customized long-term asset preservation and appreciation strategies based on your goals, time horizon, risk profile and liquidity needs. If you need or want income now, we can suggest investments that offer income potential while still maintaining a long-term focus.  Ultimately, we understand that you have worked hard to accumulate your wealth and we want to help ensure that it has longevity.

Looking for sensible growth

We also understand that the retirement landscape is constantly evolving, as people continue to live longer.  Our team can work to pinpoint investments with growth potential that can help extend the longevity of your assets and help bridge any potential retirement "gap."  Because we work to understand your objectives for today and tomorrow, we can help you assess how much growth may be needed and potential avenues for pursuing it.

Helping you to monitor risk and progress

Your investments face a number of risks that go far beyond market cycles. Taxes, inflation, economic conditions, and other forces beyond our control can work against your portfolio. Our team periodically reviews and reevaluates your holdings, measures your progress against the risks involved, and suggests different allocations if needed.  Given the constant changes occurring across the globe, we work to help identify new risks and educate you about how they may impact your investments.

Focus On High-Net-Worth Individuals and Business Owners

We're fully versed in the many issues that affect wealth management. No matter what your short- and long-term goals may be, 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 and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together; defining your financial goals
We work closely with other professionals to help clients pursue their wealth management goals, drawing on the investment insights of Merrill and offering access to the banking convenience of Bank of America as we do so.

Retirement Plan and Executive Compensation Services

At The Kass/Freeman Group, we’re privileged to help a number of leading businesses offer sensible, cost-effective retirement plans for their employees. Our team offers you access to an advanced array of services designed to cover every key aspect of your company’s retirement plan. You receive knowledgeable guidance on investment policy review and fee disclosure statements, menu selection, participation, and much more. As it pertains to the company’s retirement plan, our key areas of focus are on minimizing plan costs, increasing participation, and supporting you as you fulfill your fiduciary standards.

We also have the ability to help companies create executive compensation plans for their managers. Once a compensation plan is established we are then able to help implement the plan and provide education and servicing to participating employees.


Turning Employees into Investors


In addition to helping you as the employer, we also aim to provide a high level of service to your employees. Our job does not end by simply creating a company retirement plan – our goal is to then drive participation by informing your employee base about the plan-specifics and educating them on basic investing principles and how they can pursue all that the plan has to offer. We do this through customized employee education programs held at your company’s office(s) at least on an annual basis.

"We've been able to work with a number of companies to help their employees prepare for tomorrow. We strive to offer you access to a broad range of services designed to cover key aspects of your company's retirement plan."

Jonathan E. Kass, CRPC®

*CRPC® and Chartered Retirement Planning Counselor℠ are trademarks or registered service marks of the College for Financial Planning in the US and/or other countries.


Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to achieve what's most important to you.

<br />Regular reviews to help you stay<br />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.

    <br />Monitoring changes in your life<br />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.

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      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 Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


      Merrill_Capabilities_Brochure.png  

      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.

      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, 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.