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The SMS Group

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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.

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

An experienced team dedicated to helping clients pursue their goals

OFFERING A REFINED FORM OF FINANCIAL INSIGHT
Since 1998, The SMS Group at Merrill Lynch Wealth Management has offered successful corporate executives, entrepreneurs, affluent families and retirees a variety of customized and innovative strategies to help them manage their financial lives. Our approach is designed to help families prepare and enjoy their financial future.

PROVIDING HIGHLY RESPONSIVE CLIENT SERVICE
Our goal is to offer a quality service experience that clients and their children will value now and into the future. Frequency of meetings and client communication are individually tailored. We utilize this opportunity to review financial outlook, progress to goals and discuss appropriate strategy-based recommendations.

ACCESSING AN EXCEPTIONAL ARRAY OF FINANCIAL SERVICES
The SMS Group connects clients to the global investing insights of Merrill Lynch Wealth Management and access to the banking convenience of Bank of America. The resources our team has access to are broad and deep.

Capabilities

In 1914, Charles Merrill said, “The interests of our customers must come first.” That’s a commitment that we still honor today. We feel Charles Merrill would be gratified to see how the business he founded continues to place a premium on service and commitment. With the investment insights of Merrill, and with access to the banking convenience of Bank of America, we can deliver services that can help you address virtually every financial challenge you face.

Wealth management strategies for the road ahead

OUR PROCESS
We believe in a holistic, goals-based approach to wealth management. Our defined process creates a thorough, yet understandable roadmap with which your many financial decisions can be measured and communicated.

We gain a deep understanding of who clients are and what is most important to them. Whether the objective is growth, preservation or wealth transfer, The SMS Group is dedicated to helping clients steadily pursue that goal.

WEALTH PRESERVATION
We appreciate the time and effort needed to build wealth and understand that it is the cornerstone of any retirement lifestyle. Using a number of analytical tools, we help clients focus on managing overall portfolio risk, while keeping an eye on market volatility.

WEALTH TRANSFER
A detailed wealth transfer strategy is vital to the preservation and future control of assets. We work with clients' CPAs, attorneys and other trusted professional advisors, with client permission, to help preserve assets while minimizing potential estate taxes.

In addition, we provide access to Bank of America Private Bank and its specialists to assist in creating a simplified and consolidated wealth transfer strategy.

Investment strategies customized to individual objectives

We understand that markets will cycle over time. We also understand that each and every client is unique. Therefore our investment strategy recommendations are driven by client goals, risk tolerance, time horizon, and liquidity needs. Every investment recommendation has a specific role designed to help clients move one step closer to their goals.

ASSET ALLOCATION & DIVERSIFICATION
We believe that asset allocation is an important driver behind investment performance over time. We work to help create a customized asset allocation strategy that is specific to client goals and needs. We look to reduce portfolio volatility by accessing hundreds of investment managers and diversifying over a number of asset types. These include cash, bonds, stocks, commodities, real estate and other alternative investments.

REBALANCING, REVIEW & ANALYZING
Our process provides for periodic rebalancing of portfolios and maintaining regular portfolio reviews to measure client progress relative to goals and objectives. Assessing changes in both the markets and clients' personal lives enables us to address any unexpected challenges in a timely manner.

DISCRETIONARY MANAGEMENT
Along with our standard investment platforms, we also offer clients the option to participate in our discretionary investment program. Jerry is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing their own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, portfolio managers may manage their strategies on a discretionary basis. This discretion allows them to respond to market changes, price volatility and global events, as well as changes in your personal circumstances, to help you stay on track to help meet your financial goals. Clients, we believe, find this flexibility beneficial to their managing for risk.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

Retirement planning services to help clients enjoy the life they've built

DESIGNING YOUR IDEAL RETIREMENT
Many retirees wonder if their money will last through retirement. Utilizing the refined analytical tools of Merrill Lynch Wealth Management and our extensive experience and skills, we help clients assess the appropriate approach to retirement. This helps clients remain on track toward their specific retirement goals.

SIMPLIFYING RETIREMENT
Our team assists clients in organizing their financial lives. Working to consolidate assets as part of an overall retirement income and wealth transfer strategy can create cost efficiency and bring clarity to the wealth management process.

PREPARING FOR THE UNEXPECTED
At any moment, the unexpected can occur. Our team works with clients to develop contingencies to deal with the loss of primary income, long-term illness or disability. We also suggest various insurance strategies that can help mitigate the impact of an unforeseen event.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic reviews to help you
stay on track

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.


    Monitoring changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    Wealth Management Your Way

    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

      Let’s Have a Conversation

      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.

      Why Merrill?

      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.


      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.

      Adjusting your investment approach as your life and the markets change.

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

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      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.