Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

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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 Strategist

Merrill

Amy Kammann

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #563227

Brittany Dupont

Wealth Management Banking Specialist

Merrill

Past Events

Essential Estate Planning Strategies - Option 1

September 26th, 2022|8:00 PM - 8:30 PM EST

You're invited to a virtual event: Essential Estate Planning Strategies 
     Click here to register: https://goto.webex.com/goto/onstage/g.php?MTID=ef6f5b011f9de57eb73d9dc8816b6fc83

An introduction to protecting your family from the unforeseeable and planning for the future.

At Merrill, we are here to help you make thoughtful decisions. That's why we invite you to joint us for this informative presentation.

During this event, we will cover:
·      The importance of an estate plan in protecting and providing for your loved ones.
·      The basic concepts of estate planning strategies, how to get started, and when you should update your plan.
·      An introduction to gifting as well as estate and gift taxes.
·      The role of life insurance in estate planning strategies.

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

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

    January 12th, 2023|12:30 PM - 1:00 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: Thursday
    January 12th, 2023
    12:30 PM - 1:00 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. Worried about managing 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? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop an approach designed to help address your financial needs.

      Approach

      I believe an effective approach to wealth management requires working closely with you to help identify and define your goals.

      My  job is to first understand what matters most to you. We will work together to create a financial approach that reflects your investment personality and is built around your life priorities.

      My approach is to help you pursue your goals by providing customized service and potential investment solutions. Whether you are focused on building, preserving or transferring wealth we are committed to helping you address your financial objectives 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

      My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

      Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

      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. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I start by getting to know you and how you feel about the following seven life priorities.

      • 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

      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.

          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.