The Adolph & Gallagher Group

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Merrill Lynch

The Adolph & Gallagher Group

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Our mission is to be a dependable and knowledgeable resource. And over the years, we have built strong relationships with clients through an unwavering commitment to their best interests and serving them with candor, insight and professionalism.

The Adolph & Gallagher Group

Insight and experience applied to exceptional clients

The Adolph & Gallagher Group is an experienced, multidimensional financial advisory team backed by the full scope of Merrill Lynch global investment insights and Bank of America's broad range of banking products and services.

Who we work with
Our nationwide client base is composed of institutions and private clients.

Institutions We are privileged to work with a number of employee benefit plan sponsors. We offer an integrated suite of services to assist companies and plan managers with their retirement benefit plans, such as 401(k)s and defined benefit pension plans; we also assist with equity compensation plans, such as profit sharing plans, stock option arrangements, non-qualified deferred compensation programs and other executive services.

Private clients– We offer advice and guidance to affluent families, couples and individuals. We serve many entrepreneurs, business owners and corporate executives, and we believe that we connect well with these clients because we understand how they think about goals, aspirations and risk. Many family clients have been with us for many years, and our service to them extends to two or three generations. We truly value these important relationships.

William F. Adolph III, CRPC®, C(k)P
Senior Vice President
Senior Financial Advisor
Retirement Benefits Consultant

William A. Gallagher, CRPC®, C(k)P
First Vice President
Senior Financial Advisor
Retirement Benefits Consultant

Helping plan sponsors pursue objectives


William A. Gallagher, Senior Financial Advisor...on benefit plans

"For employers, offering benefit plans is more complex than ever. We are an experienced team, dedicated to supporting employers as they face the challenges of expanding regulations, due diligence and plan compliance. For employees, we believe that financial wellness and retirement preparedness require personal engagement with a seasoned financial advisor to assist in identifying their long-term goals and guiding them in developing strategies to pursue them. We believe positive outcomes do not happen by chance; rather, they are a result of working effectively with plan sponsors and employees alike."

The Adolph & Gallagher Group works with sponsors of 401(k) and 403(b) retirement benefit plans, defined benefit pension plans, and qualified and non-qualified equity compensation plans of all types.

Services
We offer a range of services to plan sponsors and participants, including:
  • guidance on designing a new plan or converting an existing one
  • guidance on developing an investment strategy
  • guidance in refining investment menus to fit sponsor and participant needs
  • access to detailed analytics and investment performance reporting
  • educating plan participants—general and targeted group programs
  • reviewing plan performance and benchmarking

Special training and focus
Both William Adolph and William Gallagher have earned the designation of Retirement Benefits Consultant, a credential reserved for a select group of highly qualified Merrill Lynch financial advisors. The designation allows them to work directly with benefit plans of all types and all sizes and bring a deeper level of service and support to plan sponsor clients. In addition, both hold the Certified 401(k) Professional (C(k)P®) designation, an elite designation obtained through The Retirement Advisor University, Inc. after completing the educational component at the University of California, Los Angeles' (UCLA) Anderson School of Business.

Disciplined wealth management for families and individuals


William A. Gallagher, Senior Financial Advisor...on customized wealth management
"Our view is that wealth management extends beyond transactions and beating market benchmarks. It encompasses a comprehensive approach to creating a strategy that is supported by a diversified portfolio of investments, to pursue the financial goals and life goals that are most important to you. By and large, we focus on helping clients to develop investment strategies that focus on the relationship between risk reduction and investment outcomes as they relate to clients' goals. They have worked hard to create wealth, and they want to preserve what they have and grow it sensibly over time."


Foundations of a goals-based approach:
  1. Effective wealth management is built around a process that is focused on your concerns and goals.

  2. The approach we decide on together is aligned with your personal circumstances as well as your unique attitude toward investing, risk tolerance, time horizon and liquidity needs.

  3. The process and approach are designed to make the very most of your resources.

For Institutional Clients:

Investment menu design

  • Assist in determining the appropriate menu for your plan based on participant needs and demographics
  • Provide access to services for drafting your investment policy statement
Investment due diligence
  • Propose suitable investment recommendations from Merrill Lynch's recommended investment list
  • Offer guidance for replacement funds on an ongoing basis
  • Integrate research and due diligence across all asset classes
Conduct quarterly performance reviews
  • Performance reports and individual fund profiles
Group employee education
  • On-site educational and communication meetings to help employees prepare for each life stage
  • Assist participants with allocation strategies and income strategies for short- and long-term needs
For Individual Clients:
  • Help clients understand the relationship between investment returns and investment risk
  • Assist clients in setting realistic goals and discuss the returns needed over time to get them there
  • Consider time horizon, liquidity needs, risk tolerance and tax sensitivities to structure portfolios and suggest investments
William A. Gallagher, Senior Financial Advisor…on asset allocation
"Asset allocation is key to our investment process for wealth management clients. We take a focused and consistent approach that helps us uncover a deeper understanding of clients' concerns and priorities, and develop portfolios and strategies designed to pursue each goal."
*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

  • We focus on client services, transparency and reliability. We feel that institutions, families and individuals like to work with us because of our experience and competence, but also because we are proactive communicators and we're responsive. We believe our dedication to service is what makes clients loyal to us—and us to them.The Adolph & Gallagher Group

Additional Resources

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.

James F Ade

James F Ade

Retirement Specialist

Christopher M Caradec

Christopher M Caradec

Trust Specialist

Your Financial 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.

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 give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life 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.

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*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.

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 financial 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 financial advisor.





Transcript of Video 

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 Lynch, 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.