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Norman & Young Group

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Norman & Young Group

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Merrill Lynch
Wealth Management

At Norman & Young Group, every member of our team is dedicated to helping people achieve their financial goals. We believe every client is entitled to the highest level of personalized service and care. With the global resources of Merrill, we’ll place you at the center of the wealth management process as we work together to design a goals-based financial approach to help you reach the goals that matter most to you.
Welcome

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Outstanding Wealth Management Starts With Understanding
Wealth management is not static—it is dynamic. Managing wealth is more than a matter of portfolio construction. It is a process, built through a series of decisions and actions, that can help you transform your financial vision into reality.

As a client, you are our focal point—and we strive to offer you a consistent experience that is both disciplined and inspiring. From the start, our goal is to get to know you and your family. The more we understand your motivations, the better equipped we will be to assist you in managing your wealth.

Our advice and guidance can help bring simplicity and clarity to your financial life. Utilizing our team members' more than 73 years of collective experience, we can help you craft a wealth management strategy designed to balance your present income needs with your distinct set of goals and financial objectives.

Download Our Brochure

**Source: The Forbes "Best-in-State Wealth Advisors" list, January 16, 2020. For more information about the selection criteria, go to http://details-he.re/cQUujC . Forbes is a trademark of Forbes Media LLC. All rights reserved. These rankings and ratings are not representative or indicative of any one client's experience, future performance, or investment outcome, and such rankings should not be construed as an endorsement of the advisor.
**Source: The Barron's "Top 1,200 Financial Advisors" list, March 13, 2020. For more information about the selection criteria, go to http://details-he.re/kpyVu9 . Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved. These rankings and ratings are not representative nor indicative of any one client's experience, future performance, or investment outcome and such rankings should not be construed as an endorsement of the advisor.

Helping You Capture Wealth's Opportunities

Our team believes successful wealth management comes from examining how the various elements of your financial life work together. Key factors to consider may include the retirement lifestyle you envision, how you would like your wealth to impact your family, your tolerance for risk, liquidity needs, time horizon—and, of course, your personal goals. What arises from this process is a tailored financial strategy that encompasses your life as well as your finances. Our wealth management process is continuous, evolving with you as your needs and goals change. The process breaks down what may seem complex into simple, understandable terms. It places you at the center of our efforts—helping to preserve, grow and distribute your wealth based on your unique objectives.

We believe successful long-term investing is goal oriented and strategy driven. Our process helps us understand your needs and be proactive throughout our relationship. The Norman & Young Group follows a disciplined, five-step protocol to gather information about you, your family and your life; sharpen your financial vision; and organize a thoughtful strategy that ultimately helps us to suggest investments with the potential to fulfill your needs while pursuing your goals.

A Philosophy Grounded in Quality Client Service

Our team strives to provide clients with the highest level of service—dedicating the time, energy and experience to help them pursue their goals. We research strategic and tactical investment themes both within and beyond the bounds of Merrill, analyzing data that can help you make informed decisions about allocation targets and other aspects of your wealth management efforts.

We believe our high-level strategic thinking is matched only by the quality of our service. Our focus is to understand in depth what you value most in life—your family, business or legacy—so you can focus on enjoying the wealth you've created and live the life you envision. 



 

Working With Affluent Individuals and Families

The Norman & Young Group works with affluent individuals and families in need of wealth management advice and guidance. It is not uncommon for our team to work with family members spanning as many as three generations. We get to know and help educate the next generation about their future wealth. Later, when they need to make their own financial decisions, they can turn to us—a team they have a relationship with and one that can help them carry on the family legacy.

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

J. Keith Norman

Forbes “Best-in-State Wealth Advisors”  2018, 2019 and 2020

Barron’s Top 1,200 Financial Advisors in 2018, 2019 and 2020

Scott K. Young

Forbes “Best-in-State Wealth Advisors”  2018, 2019 and 2020

Barron’s Top 1,200 Financial Advisors in 2018, 2019 and 2020

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.

Additional Resources

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.

Rosemary Coldebella

Rosemary Coldebella

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #589376

Joseph T Tantillo

Joseph T Tantillo

Retirement Specialist

Merrill Lynch

Tim Phillips

Tim Phillips

Trust Specialist

Bank of America, N.A.

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.


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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 Wealth Management Advisor.

      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.

      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.