Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Investing in the market can cause emotional ups and downs. When the market is going up, many investors want more. When the market is sinking, those same individuals might want to get out as soon as possible. These reactions can lead to buying high and selling low—exactly the opposite of wise investing.
While nothing about investing is guaranteed, we believe that navigating changing markets with a goal of coming out ahead takes a solid vision, a levelheaded approach and an ability to focus on the big picture.
We believe that asset allocation is more important than stock selection, market timing or other decisions. Our approach is designed to hedge against downside risk as well as pursue a predictable level of income, regardless of market conditions.We utilize BofA Global Research to provide up-to-date market research and analysis. This research helps us to identify risk points in the market and immediately act as necessary in order to help you manage downside risk.
We want to deliver nothing short of the best client service experience available in today's marketplace. Clients should feel that they have an advocate in their financial advisor-and that is why every member of our team is focused on providing high-quality service and knowledgeable financial advice and guidance to clients.
Integrity, discipline and diligence, combined with our experience and ability to effectively communicate openly and honestly, are the cornerstones of our best client relationships. We are readily accessible, and our goal is for you to turn to us first whenever you have a life event that requires careful consideration.
We use multiple resources to help you stay informed and actively participating in our process, including:
We can work with you to develop and implement strategies to help you pursue financial success by defining what's important and addressing your particular wealth management needs.
We have access to the investment insights of Merrill and the banking convenience of Bank of America in providing you:
When appropriate, we will coordinate with your other advisors, including financial, tax and legal professionals, in order to pursue a more cohesive overall strategy. Our integrated, holistic approach helps simplify matters and allows you to spend more time on the things that matter most to you.
Estate Planning Services
The transfer of wealth is a personal and sometimes complex situation. There is no greater comfort than knowing your estate is in order and that your beneficiaries will inherit exactly what you intended. We can help you review your current strategy and, if needed, work with your attorney to design and implement strategies to help you maximize your estate.
When appropriate, we will include your heirs in our meetings, and we can serve as a bridge for the multiple generations of your family. Whether you are looking for insurance and annuities, or a trustee or an executor for your estate, our collective years of experience and professional training allow us to think creatively and arrive at effective approaches for you to consider.
True wealth is about more than money - it is about having the means to support the causes that matter most to you. We have access to resources that can help you make a difference - through family foundations, charitable trusts and gifting strategies - and can offer a number of ways to help you move toward your goals. The key is to design an approach tailored to meet your own particular set of charitable intentions and family financial objectives.
Strategies for Business Owners
A business offers special concerns: the impact of death, disability, retirement or sale. We can assist owners with implementing strategies to help them preserve this valuable asset: maximizing liquidity events, succession and tax minimizing strategies in conjunction with your outside tax advisor, and asset preservation strategies.
Risk and Asset Management
We believe there is no "one size fits all" strategy for managing investment portfolios. Often, preservation of capital and income replacement are every bit as important as wealth accumulation and growth. Using this focus, we carefully measure your tolerance for risk and identify your time horizon and liquidity needs, then design appropriate short- and long-term strategies to help prepare you for the unexpected. Next, we align this portfolio with your growth objectives to build a tailored strategy for your personal situation. Finally, the strategy will be reviewed periodically to pursue your priorities.
You can delegate to Garland Homes, Jr. and Ken Hill the investment management responsibilities for your portfolios, meaning they have discretion over certain investment decisions surrounding your portfolio strategy. Once Garland and Ken have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, they will recommend targeted asset allocations for your portfolios to help you meet your specific investment objectives. Granting them authority allows them 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 meet your goals.
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.
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Wealth Management Banking Specialist
Bank of America, N.A.
Learn about the MyMerrill Mobile App.
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.
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.
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.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
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.
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.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.