The Kean Group

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Merrill Lynch

The Kean Group

Wealth Management
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Our goal is to remove emotion from the wealth management process and to help you make rational decisions based on your goals.
~ Kean group ~

The Kean Group

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A Client-Centric Approach to Wealth Management

The Kean Group has 40 years of collective experience helping affluent individuals and families develop wealth management strategies tailored to their unique circumstances. Whether you are seeking to invest for a comfortable retirement, fund your current lifestyle, provide for your child's or grandchild's education or create tax minimization strategies for transferring wealth to the people and causes you care about, we listen to your aspirations and concerns so that we can offer customized advice and guidance. Working with a select number of clients helps us personalize and tailor our service to your specific needs.

Over the past decades, we have witnessed an array of market conditions and developed insight into the issues that can affect your financial life. In our opinion, one of the keys Kean tab edit.jpgto intelligent investing is not to get distracted by emotion—good or bad. We can help you make disciplined decisions based on your goals and grounded in sound investment principles.

Teamwork is intrinsic to our approach. We have diverse experiences and professional concentrations, which we pool to develop a broad perspective on your wealth management needs and create robust strategies to help address them.

We are a close, tight-knit group. We welcome you to join us and pledge to remain a consistent resource and presence in your life.

Customized Advice and Guidance

Whether you're just getting started in your career or winding down a successful one, we seek to enhance your financial life through personal service, knowledgeable advice and disciplined investment management.

Our mission is to:

  • Understand what your needs are so we can help you develop realistic expectations and pursue your dreams
  • Deliver highly customized advice and guidance to help you grow, preserve and transfer your wealth, never compromising on what we perceive to be in your best interest
  • Handle your account with care and confidentiality
  • Educate you and your family about issues that may affect your financial well-being so that you can make informed decisions
  • Maintain contact with you—reviewing your account in person, regardless of your location, two to three times a year, communicating with you by telephone as needed and making ourselves readily accessible so that we may address your questions and concerns immediately and effectively
  • Get to know you and your family as unique individuals through a variety of client events, some educational, some purely social
Backed by the extensive resources of Merrill Lynch, we are able to offer integrated wealth management focused entirely on you. Our goal is to provide guidance that not only helps you make intelligent financial decisions but is truly relevant to your life.

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A Disciplined Process to Bring Clarity to Your Goals

As we work together, we will engage you in regular discussions. Our initial conversations help us gain important insights into your values, priorities and concerns and understand what you'd like your wealth to accomplish now and over time. Next we will review your personal balance sheet, both assets and liabilities, so we can assess where you stand today. We will also seek to determine how much risk you are comfortable with. The customized strategies we recommend are tailored to your objectives, time horizon, liquidity needs and appetite for risk. We believe that it's important to integrate the different components of your financial life. At your request, we can collaborate closely and communicate regularly with your other professional advisors, including your attorney, to see that assets are titled properly, and your accountant, to consider the impact of business and personal taxes on your accounts. In designing a strategy for you, we spend a significant amount of time researching and analyzing data. We select top institutional money managers and provide cohesiveness and oversight to the process. In choosing managers, we look at style consistency and performance relative to relevant benchmarks and risk. Then we plug our selections into asset allocation models based on your situation and goals.

Offering Discretionary Management
You can delegate to Mark Kean investment management responsibilities for your portfolios, meaning that he has discretion over certain investment decisions surrounding your investment strategy. Once Mark has confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, he will recommend targeted asset allocations for your portfolios to help pursue your specific investment objectives. Granting Mark authority allows him to respond to market changes, price volatility and global events with the ability to make adjustments, if needed, to help your portfolio stay on track to pursue your goals. To help you monitor and assess performance, we will regularly review your portfolio with you, and you will receive periodic communications including monthly statements, quarterly portfolio summary updates and annual performance reports.

The Importance of Diversification
We believe that diversification is an important tool in mitigating volatility risk and can lead to improved portfolio performance over time. A well-balanced portfolio may extend beyond the traditional asset classes of equities, fixed income and cash equivalents to include international mutual funds, hedge funds, private equity, individual managed accounts, ETFs, unit trusts, managed futures and structured products.

A Financial Bridge Between Generations
Your overall wealth management strategy should take into account not only your own future but also that of your loved ones. We help to educate your children and grandchildren about their future wealth now—so that when the time comes, they have a resource they can turn to for guidance.

*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Multifaceted Wealth Management

Our strategies seek to address the varied aspects of your financial life, from accumulating and preserving wealth to managing risk, creating tax minimization strategies and providing estate and retirement planning services.

Retirement-income and cash-flow planning services—We can draw on a full suite of retirement planning software and tools to help determine whether you are on track to retire when and how you desire. If you are already retired, we can conduct regular "stress tests" on your portfolios to help determine if your assets can support your desired income stream for a suitable number of years.

Tax minimization strategies—Working with your tax professionals, we can help mitigate the effect of taxes on your portfolio—for example, by offsetting capital gains with losses, where applicable. With your tax professional, we can also help project your potential tax liability in retirement and design strategies that may help to decrease its impact.

Corporate executive services—We are well versed in helping corporate executives with the complexities associated with company stock options, restricted stock and nonqualified deferred compensation, as well as with maximizing their retirement plan contributions. If we are managing just a portion of your assets, we will want to know about your other holdings—for example, if you participate in a company 401(k) or stock option plan—so that the portfolio we design for you will complement these investments. Every step of the way, we will assist you with diversifying and monetizing your holdings as part of a total portfolio strategy.

Strategies for businesses—Through 401(k)s, profit-sharing programs, defined-benefit/pension plans and nonqualified deferred-compensation plans, we can help entrepreneurs increase the amount of income they can defer for retirement while providing a valuable benefit to their employees. We can also create cash management strategies designed to help them improve cash flow, grow operating and investable capital and save on fees. Additionally, for owners of small to midsize companies, we can assist with acquisitions, liquidity events like the sale of the business, and insurance needs, including key-man and buy-sell policies.

Philanthropic services—Whether you are starting a new philanthropic foundation or trust or need support for an existing program, we can provide you with access to Bank of America specialists to help you pursue your charitable objectives.

Wealth transfer strategies—Working with Bank of America trust and estate planning specialists and your attorneys and accountants, we can develop strategies designed to help minimize estate taxes and address other trust and estate planning needs.

Access to credit and lending—Through a Wealth Management Lending Officer from Bank of America, we can offer clients access to an expansive array of home financing, credit and lending services.

Education funding—We can estimate the cost of higher education in future dollars, then help you work to cover these expenses by exploring the growth potential of college saving plans and other instruments.

*Wealth Management Lending Officers do not offer investment advice, nor make recommendations on investment products.

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.

Mark  Kean

Mark Kean

Wealth Management Advisor

919.319.7173
Faith G Rash

Faith G Rash

Financial Advisor

919.319.7171
Jason A Kristof

Jason A Kristof

Client Associate

919.319.7173
Melanie  Shaw

Melanie Shaw

Registered Senior Client Associate

919.319.7105
Tayte  Kean

Tayte Kean

Client Associate

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.