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The Newhouse Sheridan Group

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Merrill Lynch
Wealth Management


“We bring options to life, discovering new paths of opportunity.”
The Newhouse Sheridan Group is a Portland, Oregon based wealth management team with comprehensive knowledge and experience in the areas of equity compensation, corporate benefits, personalized planning and wealth management. We are committed to providing our clients and their families with thoughtful advice and guidance for all things financial. Our mission is to help clients live their best financial lives.

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Welcome

The Newhouse Sheridan Group is made up of a diverse group of talented individuals whose goal is to create Oregon’s best executive wealth management practice, providing thoughtful financial guidance and counsel to founders, high level executives, key employees and their families. Equity compensation plays a key role in the financial success of these clients.

Navigating the complexities of market volatility, securities regulation, tax, and personal financial risk is not easily understood or managed. Our commitment to our clients starts with building a foundation of trust and integrity to always do what is in the best interest of the client.

Using a well-defined wealth management process, our team will leverage the capabilities of Merrill Lynch Wealth Management and the banking convenience of Bank of America along with our partners’ 30 plus years of experience to assist our clients as the main point of contact for all things financial.  Understanding our client’s complete financial circumstances allows us to providing meaningful financial counsel to their families while helping them achieve the goals most meaningful in their lives.

Meaningful Discussions

I.                    It all begins with a conversation

Every client relationship begins with a conversation. To identify and prioritize what personal and financial goals matter most, it is paramount that we take the time to fully understand the dynamics of our clients’ lives, families, careers, finances, situations and aspirations. This is especially important when helping clients face complex financial challenges that require thoughtful and sophisticated strategies on a timely basis. We have honed our planning-based approach over many years. It recognizes the importance of understanding each client’s financial position, goals, objectives, regulatory requirements, and the impact of future equity award vesting.

II.                  Collaborative teamwork 

Communication with a client’s full advisory team is often overlooked by other advisors. For us, it is a common, everyday practice. In fact, we often collaborate with our clients’ other trusted professionals (attorneys, CPAs, and plan professionals) to align efforts and strategies. For our clients with equity ownership or stock awards, our ability to identify financial concerns and objectives allows us to establish the role that equity ownership and compensation play their overall financial picture.

Capabilities

It is important to know exactly where you are with your finances, where you plan to go, and how much you may need to help get you there. Drawing on Merrill’s investing insights and with access to Bank of America’s credit and lending solutions, we can offer you a comprehensive, personalized plan to help you pursue your goals. We will provide transparency on what you’re paying for and what you’re getting, as well as potential opportunities and risks. Understanding that life needs and market conditions can change, we will meet with you, as necessary, to help make sure your strategy remains on track to pursue your goals and adjust your approach for the journey ahead, as needed.

The broad investing resources of Merrill provide you with access to potential strategies for income management, education funding, retirement income planning, and guidance for executives with concentrated stock positions. In addition to traditional and alternative investments and wealth transfer solutions through Merrill, you have access to estate planning services from Bank of America. As your single point of contact we can connect with key professionals in your life, working closely with your outside advisors, such as attorneys, accountants and elder care specialists.

DISCLOSURE: Some or all alternative investments may not be appropriate for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other appropriate investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Focus On Corporate Executives

For corporate executives, we offer guidance for diversification* of concentrated stock positions. Business owners receive the assistance needed to build company benefit plans and access to Bank of America for help in addressing cash flow, lending needs and other bank-related needs. Those corporate executives nearing retirement are provided with insight from which to consider inflation, health care costs and other factors to help you pursue your desired lifestyle. The team is available to talk with you and explore potential strategies available to you.

*Diversification does not ensure a profit or protect against loss in declining markets.

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.

The Planning Process

We believe the development of a comprehensive financial strategy is critical to the success of our clientele. We begin by gaining a rich understanding of our clients’ current financial circumstances through and candid conversation about what’s most important to them. With a powerful analytical tool (Wealth Outlook) that provides detailed reporting, we assist our clients with detailed discussions about lifestyle mileposts, pursuing meaningful investment outcomes, and the potential trade-offs that may need to be made – taking into account factors including cash flow, lifestyle, liabilities, stock compensation, and market fluctuations.

The Wealth Outlook's sophisticated capabilities can provide detailed illustration modules that include:

​Net Worth Statement - An inventory of a client's personal assets, investment assets, investment property, and business property, providing an evaluation of overall financial well-being.

Retirement Analysis - Illustrates different retirement scenarios based on various retirement ages, pensions, Social Security benefits, Deferred compensation, retirement life styles and spending goals, etc.

Asset Allocation Analysis - Evaluates allocation strategies for clients by capturing current portfolio information to compare new and existing portfolios, which can provide an assets allocation that is consistent with goals, time horizon, risk, and liquidity needs.

​Education Analysis
- Provides a comparison of college saving vehicles and funding status modeling for specific public or private higher education institutions. Gauging progress toward goal, savings rates, and set strategies designed to help them meet education goals.

Goal Funding Status - ​Compares the cost of attaining a client’s goals with the resources they have available to fund them – helping to answer the question, “Do I have enough?” If there appears to be a shortfall in funding the client’s goals, this analysis can help facilitate a meaningful conversation about making trade-offs or identifying different goals-driven strategies.

Risk Allocation Statement - Illustrates the relationship between risk and return in portfolios. Organizes a client's assets and liabilities (including those held away from Merrill) by risk-return characteristics to reveal their risk allocation.

Equity Compensation

The Newhouse Sheridan Wealth Management Group has more than 30 years of combined experience working with employees, founders and C-suite executives in the Equity Compensation arena. Many of those years have been spent servicing local fortune 500 companies by providing wealth planning services, employee education, trading guidance and assistance, and the implementation of trading 10(b)5-1 trading plans for Founders and Section 16 officers.

We have found the majority of executives understand the generational life-changing impact of equity compensation. They come to us with a desire to understand the financial significance of equity compensation and to make thoughtful and informed decisions. This often requires the effective coordination of several disciplines; Taxes, Legal and Personal Financial, which many find overwhelming.

Our experience serving corporate executives allows us to provide requisite and suitable guidance pertaining to Restricted Stock, Stock Options, Performance Awards, Deferred Compensation, Concentrated Stock, ESPP, and strategies used to hedge, create cash-flow and minimize tax exposure for concentrated positions. Our planning process coordinates these corporate benefits with our clients’ personal wealth and financial objectives – through customized investment and retirement planning, cash flow planning, tax minimization and estate planning strategies.

Merrill has developed proprietary planning tools to statistically assess the impact of equity compensation and single stock concentration within a portfolio, and providing modeling capabilities and the impact of future equity award vesting.

Stock Option Analysis: When and how a client chooses to exercise their stock options can significantly impact their ability to pursue their financial goals. The Stock Options Analysis can help compare and assess different strategies for exercising stock options to determine an approach that best aligns with financial objectives, and help assess and compare different strategies for exercising stock options and restricted stock to best aligns with financial goals.

Clients can view side-by-side the net proceeds generated from several potential exercise strategies. The report clearly displays the potential trade-offs and tax considerations associated with each strategy. 

  • Provide a summary of all stock option grants for each company from which the client has received grants.
  • Illustrate a stock option timeline, identifying the grant, vesting and expiration dates.
  • Produce a detailed sensitivity analysis, capturing the range of potential net proceeds from various exercise strategies. Restricted stock is separated from employee stock options in this analysis.
  • Highlight the key considerations for the different types of equity compensation that may make up a client’s portfolio.
  • Compare the financial impact of decisions to exercise stock options now or in the future.
  • Customize the report by selecting the analyses, educational content and next steps you would like to include.

Awards Analysis can provide the framework to help clients understand the value of their equity option, and how values may change depending on various factors such as time and price. Through three separate valuation methods - Intrinsic Value, Net Value, Black-Scholes Value (BSV) and the ability to perform sensitivity analysis based upon potential changes in the underlying stock price, we can leverage the application to not only educate a participant on the value of their awards, but also provide information that aides in their decision-making around order of exercise, 10b5-1 planning and their overall financial strategy.

Our intent is to satisfy regulatory requirements, account for market optics, mitigate insider-trading concerns, and minimize risk and tax consequences. Incisive in our approach; 

  1. Regulatory issues for Insider- Affiliate -Section 16-Form 144
  2. Pre-Approval Requirements
  3. Trading window Restrictions
  4. Holding Requirements
  5. 10(b)5-1
  6. Concentrated Stock Management
  7. Stock Option Analysis-Black Sholes Valuation
  8. Low volume Liquidity  

We also help clients with pre-IPO planning, and help them comply with SEC rules, their company’s trading restrictions, and equity reporting requirements. When it can prove beneficial, we can provide easier access to cash – especially when cash flow is uneven (due to compensation structures that may include lump sum payments, profit sharing and/or restricted stock).

*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.

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.

Paul Stauffer

Wealth Strategies Advisor

Bank of America, N.A.

Alicia Eliason

Wealth Management Banking Specialist

Merrill

Ryan Osburn

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #432311

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

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    Your advisor is a click away within our site or mobile apps

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    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.

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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.