Acker & Associates

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Acker & Associates

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Merrill Lynch
Wealth Management
The advice you need for tomorrow may be very different than the advice you have received to date.  That’s why we’ll have as many conversations as it takes to help make each piece of your financial puzzle fit.
Welcome!

Our team can assist you, and your family or business, in identifying goals and addressing thoughtful financial strategies designed specifically for your future.

It’s a matter of fitting your “puzzle pieces” together—pieces that represent actions you’ve taken and investments you’ve accumulated—which can be turned into a “big picture” of what you believe may lay ahead. 

We take pride in possessing the experience and perspective that can help turn your goals into reality…and we can help you navigate the many cycles of life.  We believe that when you succeed, we succeed.

Sorting the Puzzle Pieces

The process starts by identifying and positioning various pieces of each client’s personal financial puzzle. It’s not just about markets and returns, it’s about what goals matter most to clients.

  • We have as many conversations as it takes to help clients determine how each piece fits so we can comprehend the kind of life they want to live. 
  • We draw upon behavioral finance research that helps us to better understand their investing preferences, assisting us to customize goals-based strategies we can develop in coordination with clients’ needs and desires.
  • Once the puzzle takes shape, we feel that clients are prepared to engage the life planning phase with us.

Investments

Here’s what we think can come next for you

Work with us.  Let us help you put your individual puzzle pieces into that “big picture” you may have dreamed about for so long.

We believe that with our assistance you can effectively face life’s changes, financial challenges and opportunities.

We believe that your investments should be a reflection of you — your life, your priorities, your goals. As your dedicated advisors we will get to know what matters most to you and help you define your goals. We use this understanding to help you build a customized financial strategy and offer ongoing, personalized advice. Combined with professional management and regular reviews, you can stay on the right path towards pursuing your long-term objectives.

Perhaps the biggest puzzle piece of all is the one you might call “retirement,” but that’s the only time you’ll ever see us use that term.  What we do is help clients pursue their post-career lifestyle dreams, not sit in a rocking chair.

  • People are living longer than ever before, which means there is much more time for clients to pursue passions and interests.
  • We help them take the steps they need to follow everything from wished-for entrepreneurial ambitions to long sought-after leisure activities.
  • We take the pieces of your financial puzzle, learn all about your priorities and help develop the customized strategies intended to make them a reality.
  • Over time, we will measure your progress together, making adjustments, as needed, to help keep your post-career activities stay on track.

  • I emphasize knowing a client well; to help them build and implement a wealth management strategy that addresses their life priorities and key issues. But strategies are not fixed or static. As time goes by, changes will occur to your family or personal situation, unanticipated challenges—and opportunities—will arise, and you will have to navigate the inevitable twists and turns of life.Susan E. Acker, First Vice President, Wealth Management Advisor

Meet the Team

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.

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 />Periodic reviews to help you <br /> stay on track

Periodic 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.


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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.

      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 strategy as your life and the markets change.

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