Eidlin-Kilmer & Associates

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Merrill Lynch

Eidlin-Kilmer & Associates

Wealth Management Group
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Eidlin-Kilmer & Associates welcomes working with individuals, families, business owners, executives and institutions.  Through our team’s experience and leadership, we believe we are well positioned—in rising, declining and turbulent markets—to help you address your wealth management challenges and opportunities.

Eidlin-Kilmer & Associates

The Eidlin-Kilmer & Associates Experience

Eidlin-Kilmer & Associates is a knowledgeable full-service wealth management team located near Rochester, New York. Since 1992 our highly experienced professionals have provided informed advice and guidance and empathetic, caring service to a varied clientele, including successful business owners, corporate executives and health care professionals. These clients lead busy lives and don’t always have to time to research, develop and regularly review a financial strategy. They turn to us to assist them with customized wealth management aligned with their values and goals.

Our services go beyond investing. By providing access to the investment insights of Merrill Lynch and the banking convenience of Bank of America, and drawing on our relationship with U.S. Trust, we seek to help connect the different pieces of your financial life and become the single source you turn to for your wealth management needs.

From our initial meetings to our annual portfolio reviews—and in every interaction in between—our number one goal is to provide the highest level of professional and responsive care. We deliberately keep our financial advisor–to–client ratio low so that we can provide you with individualized service in a relaxed and friendly atmosphere. Our role is to keep you focused on where you want to go, advise you on how to get there and continually remind you of the importance of maintaining a disciplined approach to pursuing your dreams.

A Foundation of Understanding

In working with clients, we adhere to a disciplined wealth management process. The first step is to learn as much as we possibly can about you. Together, we examine your current financial situation—your assets and liabilities and how your portfolio is structured. More importantly, we also help you articulate the goals you have for yourself and your family and the obstacles you foresee on the path toward those goals. We ask questions about your family—for example, whether you’ll be caring for elderly parents or need to put children through college. We also want to know about your career, as well as when you want to retire and how much money you think you’ll need.

Based on what you tell us, we develop wealth management strategies aligned with your goals, values and aspirations, as well as your time horizon, liquidity needs and risk tolerance. Our involvement doesn’t end there. We have a disciplined schedule for reviews and meetings to help you implement your strategies and track your progress. We also communicate frequently with you outside these reviews to find out what changes have occurred in your life that might call for modifying your strategies.

Collaboration
Teamwork is at the heart of our business. Each of us possesses extensive academic and professional training and experience, which we pool in helping develop strategies customized to your individual situation. We also foster synergy with and among your other professional advisors, working with your attorney, for example, to see that assets are properly titled and that wills, powers of attorney and health care directives are in place. We can coordinate as well with your tax professionals to consider the business and personal tax implications of suggested strategies. This helps us provide you with unified representation in which all participants are working together to guide you toward your goals.

If we aren't able to meet a certain need ourselves, we can draw upon a team of talented financial services professionals with extensive experience and diverse capabilities from around the firm. These include Merrill Lynch insurance and wealth structuring specialists and Bank of America trust specialists, as well as the Practice Solutions group, which assists small businesses with debt consolidation, lines of credit and financing for such purposes as office improvement and equipment purchases. We can also provide access to a Wealth Management Lending Officer from Bank of America, N.A., who can provide strategic and personalized home financing guidance focused on your needs.  Working together, your Financial Advisor team and Lending Officer can draw upon an expansive array of home financing solutions designed to fit into your overall financial strategy and help you pursue your financial objectives. *The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.

Services Tailored to Your Diverse Needs

Our wealth management approach seeks to address and integrate all the facets of your financial life—from accumulating and preserving wealth to managing risk and creating a legacy. Whether helping you develop tax minimization and wealth transfer strategies or providing retirement and estate planning services, we strive to simplify your financial decision making.

Wealth transfer strategies—In collaboration with U.S. Trust and Bank of America trust and estate planning specialists, as well as your tax and legal advisors, we can facilitate tax minimization strategies designed to help you preserve your wealth and pass it on to the people and causes you care about. These strategies may incorporate such elements as insurance, trusts, gifting and family partnerships.

Retirement planning services—Whether you are hoping to retire soon or in the distant future, we can work with you to develop strategies designed to help you pursue the retirement you envision. Using Merrill Lynch’s sophisticated retirement planning tools, we can help you decide how much you will need to retire when you wish and maintain your current standard of living. After you retire, we can help you manage your income streams and preserve your assets for your lifetime and your legacy

Serving multiple generations—Utilizing our wealth management process and collaborating with Bank of America specialists, we assist ultra-high-net-worth individuals and families who are looking for sophisticated, customized wealth management strategies that align with their lifestyle and legacy goals. We help wealth builders and next-generation inheritors interested in sustaining and growing family wealth.

Helping to address the needs of Business and Health Care Professionals

Business owners—From growing your business, to realizing its value through a sale or public offering, to maintaining family ownership, we can help you pursue your goals through assistance with:

  • Investment strategies
  • Retirement and defined-benefit plan services
  • Business insurance to protect against such disruptions as the departure or disability of an owner or key employee
  • Business-continuation and -succession planning
  • Exit planning and buy-sell agreements
  • Gap analysis and business valuation
Medical and Dental Practices

Physicians, dentists, hospital executives and other health care professionals expend considerable time and energy maintaining their skills and managing their practices. For many, working on their own wealth management strategies at the end of the day is a burden. Our team has extensive experience assisting time-strapped medical professionals and their families with their business and personal financial needs, so that they can concentrate on their practices and other interests.

Liability and debit management—We can provide access through Bank of America to an extensive menu of credit options, including commercial lending products for financing building improvements and equipment purchases, as well as assistance with managing your medical school debt.

Practice management—We can assist you in developing strategies designed to help maximize revenue and control expenses. Additionally, we can help you put in place financial safeguards and internal controls to assist with budgeting and reporting.

Asset and risk management—We’ll look for ways to help you manage and realize value from your practice’s assets. We can also help you reevaluate or update your risk management controls.

Succession planning and exit strategies—With access to Merrill Lynch’s specialized professionals in the field of exit planning, we can assist with the highly personal and complex process of transitioning your practice.

Meet the Team

Supported by the global resources of Merrill Lynch, 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 Lynch, trust and fiduciary services from U.S. Trust, and the banking convenience of 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 give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life 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.

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

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 financial 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 financial advisor.





Transcript of Video 

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 Lynch, 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.