Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
The TWDS Group brings a “hands-on” 360-degree wealth management approach to multiple generations of high-net-worth individuals – physicians, successful business owners, entrepreneurs, corporate executives, retirees, and trade unions.
Treating businesses like family and families like a business, the team diligently explores each client’s circumstances before creating and implementing a customized wealth management strategy. Based on discussions with clients, tolerance for risk is measured and timelines are established. Ultimately, goals-based and values-based investments and retirement strategies are put in place, to account for each client’s specific objectives.
Our process in 3 steps:
1. Planning or Wealth Management: We plan using a Goals Based Wealth Management Approach centered around your 7 Life Priorities: Family, Health, Leisure, Home, Work, Giving and finally Finances. We provide a projection or “Wealth Outlook” to determine if you are “on track” to meet your Life Priority Goals.
They Will Deliver Success
2. Investments: Using our “Firms Best Thinking” (The CIO) we will construct an investment strategy that incorporates a Strategic Asset Allocation that is based upon your Investment Personality and Risk Tolerances. It will be Tactically updated to take advantage of opportunities in the market and will be implemented with a rigorous Investment Manager Selection Process that will incorporate both active and passive strategies.
They Will Deliver Strategies
3. Service: A higher standard of client service and a consistent client service model will be delivered by 6 experienced professionals who will help ensure a smooth onboarding process, efficient account maintenance and effective handling of all client inquiries.
They Will Deliver Service
We begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, we start by listening to learn more about you.
Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can help customize the financial strategy we develop together.
Our process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.
We offer clients a breadth of strategies, premier customer service and financial tools based on their unique circumstances. No matter what your goals may be, We begin by defining and prioritizing your financial goals based on the following seven areas:
Drawing upon research in the field of behavioral finance, Merrill Lynch 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 strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.
Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.
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.
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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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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.
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.
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.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
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.
We will work to help you stay on track, regardless of what the markets are doing.