Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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OFFERING A REFINED FORM OF FINANCIAL INSIGHT
Since 1998, The SMS Group at Merrill Lynch 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 and access to the banking convenience of Bank of America. The resources our team has access to are broad and deep.
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 Lynch, 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.
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.
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.
A detailed wealth transfer strategy is vital to the preservation and future control of assets. We work with 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 U.S. Trust and its specialists to assist in creating a simplified and consolidated wealth transfer strategy.
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 & MONITORING
Our process provides for periodic rebalancing of portfolios and maintaining regular portfolio reviews to measure client progress relative to goals and objectives. Monitoring changes in both the markets and clients' personal lives enables us to address any unexpected challenges in a timely manner.
Along with our standard investment platforms, we also offer clients the option to participate in our discretionary investment program. Jerry and Greg are qualified portfolio managers 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 Lynch 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.
DESIGNING YOUR IDEAL RETIREMENT
Many retirees wonder if their money will last through retirement. Utilizing the refined analytical tools of Merrill Lynch 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.
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.
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.
We along with your tax professional can help you understand how it might affect your investment 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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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.
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.
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.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
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.
We will work to help you stay on track, regardless of what the markets are doing.