Capabilities

Using the broad investing resources of Merrill, we can also assist with potential solutions for income management, education funding, retirement income planning, and guidance for executives with concentrated stock positions, traditional and alternative investments, wealth transfer and estate planning services. And with your permission we can also work closely with your other professionals, such as attorneys, accountants and specialists, to help you pursue your goals.

DISCLOSURE: Some or all alternative investments may not be appropriate for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other appropriate investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Focus On High-Net-Worth Individuals and Business Owners

We  offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances.

No matter what your goals may be, we begin by helping you define and prioritize your financial goals based on the following seven areas:

• 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

• Potential risk management solutions
• Trust and estate planning services
• Potential wealth management solutions
• Access to Bank of America for your credit and banking needs

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.

Philosophy

We believe that enhancing wealth in general requires participation in the growth of corporations’ cash flows over extended time frames – yet still remaining sensitive to valuations, changing macroeconomic environments, and seemingly perpetual central bank dependence.  Our investment process leverages a bespoke strategic asset allocation that selects the most optimal fund or security from each class or strategy, while minimizing correlations between assets within a category and between asset classes themselves.  We then continuously respond to new opportunities, risks, tax laws, and client circumstances with tactical portfolio re-balancings.

Welcome

Given a rapidly changing global economy, longer lifespans, and diminished government safeguards, we believe having advisors with more than 60 years of investment experience and relevant professional accreditations is likely to prove critical to your wealth outlook.  We have managed client portfolios through two major bubbles and bear markets, so we recognize that similar cycles are likely and appropriate to prepare for.  Our approach incorporates a detailed analysis of your personal income statement, balance sheet, and risk capacity, then regularly and proactively adjusts your investment mix to changing market and personal circumstances.  The goal is to synchronize all elements of your financial life.