Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
The Wolff Group makes planning for the future easier. Our initial focus is on getting to know you - your needs, values, passions, beliefs and goals:
Have you recently experienced a transition in life such as marriage, divorce, selling a business or entering into retirement?
Do you have a complete understanding of how your assets, liabilities, income and expenses are working together to ensure your financial wellbeing?
Have you decided on what type of legacy you want to leave for your family, friends and philanthropic interests?
The answers to these questions inform our next steps, which include the development of a comprehensive wealth management plan and investment management strategy that works specifically for you, your family and your future generations.
Success is a choice. We'll help you make the right one.©
Our wealth management practice is focused on cultivating lifelong relationships that place the interests of clients first. That's why we operate across multiple generations, helping high-net-worth investors determine where to allocate their wealth at what time. We help achieve a consistent outcome by adhering to the following three steps:
First, the Wolff Group engages all clients in an active dialogue to develop a thorough understanding of every life goal, investment objective and tax consideration.
Next, we analyze the information and create a customized wealth management plan that spans the client's complete monetary lifecycle. This includes the generation of cash flow, net worth and projected income statements.
Following this process, we develop an investment management strategy and help to ensure that all goals are met by hosting periodic performance and goals-based reviews.
This wealth management process is backed by Merrill’s proprietary technologies, highly-rated securities research, access to specialists in a variety of areas, and a comprehensive range of investments, accounts, services and fee structures.
*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.
Our family office approach to investing is holistic, tax-efficient, disciplined and proactive. We typically begin with a top-down analysis of your balance sheet, and combine an understanding of you with forward-looking insights that reflect our strong convictions about asset classes, markets, economies, sectors, countries and currencies.
Supported by Merrill’s Chief Investment Office, top-ranked global equities research and a large team of analysts and specialists, we also will collaborate with your outside advisors - such as attorneys or accountants - to keep pace with changing financial market conditions and changes in your life. If your circumstances change over time, or new opportunities arise, we'll be there to adjust your plan and make sure it's on track.
Drawing on our unparalleled resources across the nation's 2nd largest bank, the Wolff Group operates as a one-stop-shop for managing the various aspects of wealth. We regularly assist clients with the following wealth management topics:
Asset Preservation Strategies - creation of living and irrevocable trusts, access to full service estate planning, dynasty trusts, grantor trusts, trusteed IRAs. Access to Bank of America Private Bank (formerly U.S. Trust), the nation's oldest and most prestigous trust institution. Control of how your wealth will be distributed to beneficiaries and heirs.
Business and Commercial Banking - support of your small, mid-size or large business through the merchant services and lending capabilities of Bank of America. Assistance with selling your business or transitioning ownership to the next generation when the time is right. Wire transfers and cash management for account balances of all sizes. Investment banking and pre-post IPO preparation.
Comprehensive Family Planning - educational services for children of all ages, facilitation of discussions across multiple generations to map out philanthropic objectives, access to tax-efficient college savings plans such as 529s, Coverdell's or UGMA/UTMAs.
Executive Compensation Planning - development of a strategy for your concentrated stock options including 83(b) elections, access to ULTRA (a specialized unit within Bank of America), exchange funds for diversifying your portfolio without the realization of capital gains.
Insurance Planning - review of your current policies including term, whole life, variable life and disability. Annuities and Long-Term Care applicability discussions, assurance that your dependents will be well taken care of following a significant life event that disrupts earnings potential.
Lending and Liquidity Services - competitive rates on home financing through Bank of America (NMLS: 1459519), HELOCs, reverse mortgages, personal loans on investment portfolios, lending on private collections including artwork and airplanes.
Philanthropic Services - creation and administration of Donor Advised Funds (DAFs), Private Foundations and Irrevocable Life Insurance Trusts. Use of your appreciated stock to support nonprofits and charities.
Retirement Planning - mapping of your current and projected income, expenses, assets and liabilities using proprietary Merrill wealth management software. Establishment of an investment strategy and action plan to help ensure that your goals will be achieved both pre and post retirement.
White Glove Customer Service - automated bill pay, access to MyMerrill and MyFinancialPicture, concierge services for booking vacations, hotels or rentals. Access to specialized banking services and credit cards through Bank of America, never step foot in a commercial bank branch again.
Our fee schedule is designed to be all-inclusive, transparent and competitive. By collaborating with our team you will know exactly how much you're paying each month, how much you're saving and what is included in your service model. A typical client pays the following:
Assets <$3,000,000: 1.50% annually
Assets >$3,000,000 and <$5,000,000: 1.25% annually
Assets >$5,000,000 and <$7,000,000: 1.00% annually
Assets >$7,000,000 and <$10,000,000: .75% annually or less
Assets <$10,000,000: Less than .75% annually
These rates cover the costs of all investment transactions, and provide your family with the full-time support and backing of a CERTIFIED FINANCIAL PLANNER™ certificant, CERTIFIED PRIVATE WEALTH ADVISOR® designee, a Juris Doctorate and access to our large team of dedicated in-house wealth management specialists. Moving forward, your family will always be supported by a veritable array of experienced Merrill advisors, planners and investors who know your name, situation and care about your outcomes.
*Our team does not provide legal advice in our current roles with Merrill Lynch Wealth Management.
We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.
This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Supported by the global resources of Merrill, our group 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.
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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.
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 we can help you create a financial approach that reflects your personality. Only then can we 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.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.
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 AdvisorTM
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.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.