Women’s superpower: Investing

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Profile

Stephanie Saghy is a Vice President and Financial Advisor with Merrill Lynch Wealth Management in Columbus, Ohio. With more than 15 years of industry experience, she serves a broad spectrum of clients across the country. Many are young professionals raising families, accumulating wealth, and planning their financial futures. The majority are ultra-high-net-worth families with generational wealth who are focused on asset protection and legacy planning. The deep relationships she forms are based on her broad experience and unwavering commitment to putting her client’s needs first.

Business owners rely on Stephanie’s in-depth understanding of the issues that can impact their financial lives. She assists with succession planning, exit strategies and structuring ownership interests to help achieve their legacy planning objectives.

Stephanie prides herself on listening and understanding the nuanced needs of her clients, many of whom are women actively involved in their household finances. She is experienced in offering strategies to help them take greater control of their long-term financial success. Stephanie counsels women with commitment and compassion as they undergo financial transitions as sole or primary earners, during career changes, family planning, life events or relationship changes.

Client’s personal and family values are woven into Stephanie’s approach as she helps them evaluate investment options that align with their Environmental, Social & Governance (ESG)* criteria. She helps clients document and communicate these values to future generations. Stephanie provides fiduciary services through Merrill’s Investment Advisory Program. She further supports the values of her clients and embraces Merrill’s principal of responsible citizenship by pledging to donate a portion of her annual earnings to charities of her clients’ choosing.

Stephanie is supported by a team of experienced specialists throughout Merrill and Bank of America to help clients achieve their financial objectives, while giving them the freedom to focus on what is most important in their lives. Her process begins by uncovering their earliest memories of money, their feelings about where they are financially and where they hope to be in the future. Linking these human elements together forms the foundation for the strategies she recommends to help achieve their goals.
 
A native of Liberty Center, Ohio, Stephanie worked in the Chicago area for a decade before returning to her home state in 2018. Prior to joining Merrill, she spent 13 years as a client advisor at J.P. Morgan Private Bank. She began her career with Spero-Smith Investment Advisers, Inc. in Beachwood, Ohio.
 
Stephanie deeply values education. She is a CERTIFIED FINANCIAL PLANNER professional and holds the Chartered Financial Analyst® (CFA®) and Certified Exit Planning Advisor (CEPA) designations. Stephanie is a member of the CFA® Institute, the Exit Planning Institute and participates in the Find a CFP® Pro program.

Stephanie earned a Bachelor of Science degree in Business Administration with a dual concentration in Finance and Management from Ohio Northern University. She currently serves as an advisory board member for the Dicke College of Business at her alma mater. In 2022, Stephanie was selected to receive the Ohio Northern University William L. Robinson Young Alumni Award – recognizing her passion and loyalty towards her profession, community and alma mater.

Stephanie and her husband, Kevin, are raising their daughter and son in Delaware, Ohio. In addition to spending time with her family, she enjoys cooking and traveling.



*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values-based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

  • EDUCATION

    Ohio Northern University

Professional Staff

Supported by the global resources of Merrill, my 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.

Jeremy Floberg

Wealth Strategies Advisor

Bank of America, N.A.

Amy Kammann

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #563227

Brittany Dupont

Wealth Management Banking Specialist

Merrill

Past Events

Charitable Giving and Philanthropy: How to Maximize the Impact of Your Giving

October 26th, 2023|12:00 PM - 12:30 PM EST

We invite you to join a conversation on maximizing the impact of your giving. The discussion will be relevant to whether you’re already a regular giver, just starting out, or looking to reshape your giving as you enter a new phase of life or career.

We will cover:

  • How to determine when you should start giving, how much, the types of assets, and different strategies and structures to consider.
  • How to engage with the right tax, legal, and giving advisors to make your giving most effective.
  • Common client scenarios and pitfalls and ways we help address them.

Option 1: Wednesday, October 18 from 1:00 - 1:30 PM EST: Register Here
Option 2: Thursday, October 26 from 12:00 - 12:30 PM EST: Register Here

    The Early Retirement Trend: Preparing for Retirement on Your Terms - Option 1

    March 12th, 2024|1:00 PM - 1:30 PM EST

    Dreaming of an early retirement? We’ll help you understand what’s achievable.

    During this event, we will discuss:

    • How to evaluate if you are on the right track to achieve the early retirement you have envisioned.
    • How to identify & prioritize your retirement goals and, importantly, evaluate if you have the financial resources to provide for them.
    • Common retirement risks such as longevity, healthcare costs, withdrawal rate, investment & inflation risks – and ways you can manage these risks.
    • Accessing retirement assets early – if you have assets in a qualified retirement plan, like a 401(k) or IRA, it is important to understand your options for accessing those assets if you retire early.

    Please Register below to join us:
    Please click here to register for and join our WebEx event

    Option 1: Tuesday
    March 6th, 2024
    1:00 PM - 1:30 PM EST

      The Early Retirement Trend: Preparing for Retirement on Your Terms - Option 2

      March 19th, 2024|12:00 PM - 12:30 PM EST

      Dreaming of an early retirement? We’ll help you understand what’s achievable.

      During this event, we will discuss:

      • How to evaluate if you are on the right track to achieve the early retirement you have envisioned.
      • How to identify & prioritize your retirement goals and, importantly, evaluate if you have the financial resources to provide for them.
      • Common retirement risks such as longevity, healthcare costs, withdrawal rate, investment & inflation risks – and ways you can manage these risks.
      • Accessing retirement assets early – if you have assets in a qualified retirement plan, like a 401(k) or IRA, it is important to understand your options for accessing those assets if you retire early.

      Please Register below to join us:
      Please click here to register for and join our WebEx event

      Option 2: Tuesday
      March 19th, 2024
      12:00 PM – 12:30 PM EST

        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

        Welcome

        Compassionate, determined, highly ethical, and empathetic. As a well-credentialed financial advisor, I believe these are the personal values that best describe my proactive, client-focused approach to addressing the complex wealth considerations facing you and your loved ones. Through hard work, integrity, mutual understanding, and respect, I strive to put you at the center of everything I do and stand beside you throughout every stage of your life journey. Your goals become my focus and helping you articulate, pursue, and accomplish them is my mission.

        Philosophy

        I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.

        Approach

        An effective approach to wealth management requires working closely with you to help identify and define your goals. The process begins by understanding what matters most to you. We help create a financial strategy to pursue your goals that reflects your investment style and is built around your life plan.

        Whether you are focused on growing, preserving or transferring wealth the team is committed to helping you address your financial goals at every stage of your life.

        Your approach to investing

        Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

        Understanding your goals and priorities

        Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

        Capabilities

        Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

        Focus On Individuals, Families and Small Businesses

        I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

        • Health: Managing healthcare expenses, now and in the future
        • Home: Upsizing, downsizing, remodeling or buying a vacation home
        • Family: Taking care of your family and other people in your life
        • Leisure: Spending your free time in meaningful ways
        • Giving: Volunteering, mentoring others and giving to charities
        • Work: Working in retirement, selling or starting a business
        • Finance: Bringing it all together and defining your financial goals

        Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

        This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

        Staying on Track

        We understand that both your life and the financial markets can change over time. By 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.



        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.



          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.

          #DigitalMerrill

          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 I can help you create a financial approach that reflects your personality. Only then can I 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.

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            Transcript of Video 

            No question too big or moment too small
            For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


            The Power of the Right Advisor®
            Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

            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.