Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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Charles E. Merrill, the Chairman of Merrill Lynch and founder of our firm famously said, "The interests of our clients must come first." While the scope of work we do for clients has evolved over the years – expanding to include a broader constellation of financial, legal, and tax issues – this simple maxim has never been more important.
Our team of experienced financial professionals puts our clients at the center of everything we do while operating in a complex new environment. We do this by serving as a bedrock resource for successful individuals and families who appreciate a customized approach to managing their financial affairs. We look forward to meeting with you to discuss the challenges and opportunities facing you and your family, and to learn how we can help.
Our practice is based on wealth management planning, and it is the planning process that ultimately leads to the investment and management of our clients' assets. Our primary portfolio management method is based on Modern Portfolio Theory, though we are generally believers in the weak efficient market hypothesis.
Every client has a unique risk/reward profile based on his individual goals and needs, something we assess through the aforementioned planning process. Once we've established an optimal risk level for each client, we then create a portfolio that places him at the correct point on the efficient frontier, [This is a method for balancing risk and reward].
All investment and real assets are analyzed, and recommendations are made to minimize the risk (volatility) associated with each client's target rate of return. Tax efficiency is taken into account in the appropriate use of tax-deferred accounts, careful management of gains and losses realized outside these accounts, and the use -- in concert with client's legal advisors -- of estate planning structures to minimize estate tax impacts.
Within each client's portfolios, a wide variety of investment tools are used to help meet his goals, ranging from traditional stock and bond investments to alternative asset classes such as commodities and real estate. More than one investment strategy can be used to achieve a given risk/reward mix, and a variety of client-specific factors help determine which is most appropriate. In addition, market conditions will affect which allocation is most attractively priced, helping guide decisions about the best asset mix at any given time.
While each client, and therefore each portfolio, is distinct, we do maintain model asset allocations as reference points for efficient portfolios at various points on the efficient frontier. We also run a series of discretionary portfolios for our clients who prefer to make the "big picture" investment decisions, but who have us manage the portfolio on a day to day basis.
We believe an effective approach to wealth management requires working closely with you to help identify and define your goals.
Our job is to first understand what matters most to you. We will work together to create a financial strategy that reflects your investment personality and is built around your life priorities.
Our approach is to help you pursue your goals by providing customized service and strategies. 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.
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.
The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.
Wealth Management Banking Specialist
Senior Wealth Management Lending Officer NMLS # 432340
We along with your tax professional can help you understand how it might affect your investment strategy
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.
We believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, identify strategies that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management strategy for the future.
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.