The Douglass Group

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Merrill Lynch

The Douglass Group

Wealth Management

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Merrill Lynch
Wealth Management
Whatever your personal goals may be, we will work with you to develop a customized financial strategy designed to help you pursue what’s most important to you.

The Douglass Group

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Helping you manage life's financial milestones

The Douglass Group is dedicated to serving the financial needs of a select cadre of families and individuals who possess substantial wealth. We offer strategic wealth management for business owners, entrepreneurs, Fortune 500 executives, wealthy retirees, private investors and institutions. These clients have come to The Douglass Group, in our opinion, because they realize their wealth demands special care.

Prospective clients often ask, "Why should we work with The Douglass Group?" We believe that they find the answer in who we are, what we do and how we do it. Our team has more than 100 years of collective experience helping affluent families make prudent choices about managing their wealth. That's seven combined decades of offering wealth and investing strategies through a number of market and economic cycles, across waves of ever more complicated financial products and services.

We believe that clients seek us out for goals-based guidance on the complex matters affecting their futures, and we also believe that they find value in engaging our insights across multiple wealth management disciplines.

Helping you pave the financial path that's right for you

Clients, especially those preparing for the next stage of their lives, face a number of challenges in managing significant wealth. Our team understands the obstacles, the opportunities and the many forms of risk. We are adept at developing strategies that help clients create the kind of future they want–on their terms, within their outlook.

In helping you define and chart a path toward your goals, we take into consideration your assets, your objectives and, just as important, your attitude and habits regarding money. We'll look at how you can segment your assets into portfolios targeting preservation, income and liquidity, intermediate and long-term growth, plus any special objectives you have. We'll also look at how to help you:

Manage For Risk:
Is there too much or too little risk in your portfolio? Are your goals matched correctly with the risk you're willing to take? How and where can your exposure to risk be offset where needed?

Structure For Growth:
How much growth and liquidity do you desire? How can the impact of taxes and inflation be minimized? Which alternative investments, if appropriate, have potential long-term growth?

Prepare The Portfolio Against The Unexpected:
What tactics could respond to adverse markets? What strategies can help your family manage in case of lost income or the loss of the primary earner? How could changes in family structure affect the overall portfolio?

We'll also help you monitor your portfolio and we can make tactical suggestions on modifying asset allocations or percentages based on performance and market trends.
*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Managing vital areas of your wealth outlook

Your wealth has a structure–and as with any structure, the better its design and construction, the better it can withstand the stress of the outside environment and the demands of the people it can benefit. Our wealth allocation framework can help you reengineer and manage your assets to stand up to these four key risk factors:

LONGEVITY
What if spending and inflation threaten to deplete your assets in your later years when you need them most? We can show you how to develop practical, durable income generation and management strategies for your lifetime.

TAXES
What if you are paying more in taxes than you should? In consultation with your tax professional, we can find where your tax burden is heaviest, and then, if appropriate, help develop tactics to shift more of your potential taxable income to tax minimizing income streams.

FAMILY CHANGES
What if sudden education needs, elder care, divorce or death causes multiple unexpected spending priorities? We can help you skillfully implement an array of responses, from separately managed accounts to long-term care insurance, to help your family's assets withstand the unexpected.

ESTATE TRANSFER MATTERS
What if your estate transfer strategy is insufficient or out-of-date? We can coordinate with Merrill estate planning specialists to help create smart approaches to wealth transfer that may use insurance, trusts and gifting to pass on wealth the way you want.

A broad range of capabilities designed to build and enrich your financial life

To take advantage of the opportunities in today’s markets, there is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs—an advocate who can access the combined strength of the investment insights of Merrill and the banking convenience of Bank of America, so you can plan ahead with strategies designed to face the new financial landscape:
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*Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Merrill Lynch Financial Advisor.
*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

  • Our team is designed to help clients pursue financial independence across multiple generations.Alfred E. Douglass III | Senior Consultant

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Ted Douglass

Forbes “Best-in-State Wealth Advisors”  in 2018 and 2019.

Barron’s 2018 “America’s Top 1,200 Financial Advisors: State-by-State”

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.

Michael Zimmerman

Michael Zimmerman

Wealth Management Banking Specialist

Christopher M Caradec

Christopher M Caradec

Trust Specialist

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Alexander Edelman

Wealth Management Lending Officer NMLS # 1181094

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

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.

Staying on Track

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 you stay on track to achieve what's most important to you.

<br />Regular reviews to help you stay<br />on track

Regular reviews to help you stay
on track

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.

    <br />Monitoring changes in your life<br />and to your goals

    Monitoring changes in your life
    and to your goals

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

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      Let’s Have a Conversation

      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.

      Why Merrill Lynch?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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.

      Personalized advice from a dedicated financial advisor.

      Getting to know you is our primary goal.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your plan as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.