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Steiner Associates
Merrill Lynch
Wealth Management
Our mission is to serve as your financial advisors for life, handling all matters related to managing and preserving your wealth and building your legacy. We strive to provide a level of service and attentiveness that exceeds your expectations, and help create straightforward strategies that lead to smarter, more informed decisions.
Steiner Associates
Welcome
For more than three decades, Sharon Steiner and her team have been building enduring client relationships that are built on a foundation of integrity, accessibility, service, and transparency. Working with people from all walks of life, we strive to establish a personal connection with every generation of client who walks through our door, regardless of whether we’re the best fit or not. Our attention to detail is evident in each step of our wealth management process and our goal is to take the time to gain a clear understanding of their objectives and keep them on track with their goals.
Each of our team members possesses a different skill set that together creates the foundation for the informed wealth management advice and guidance we provide. We collaborate closely with one another. And, with your permission, we can coordinate with your other professional advisors, including your accountant and lawyer.
Our disciplined process accounts for your short- and long-term goals, risk tolerance and stage of life, while also keeping a watchful eye on today’s complex domestic and global markets. In our experience, that’s the best way to customize a well-thought-out, diversified portfolio flexible enough to meet your needs today and tomorrow.
We recognize that no two clients are the same. Our wealth management strategies offer a high degree of personalization and are built around your specific goals. The result is a wealth management plan that is as dynamic, vibrant, and enduring as the lifetime of achievement it represents. Things change, priorities shift, and new opportunities may be waiting just over the horizon. That’s why we review your progress relative to your defined objectives.
Simply put, you’ll always have someone to call when life throws unexpected changes your way, the markets get volatile, or when it’s time to reevaluate your goals.
Philosophy
At one time or another, we all face major turning points in our lives. Life comes with change, and we help individuals and multiple generations of families address the many financial matters they face, balancing today's needs with their goals of tomorrow. There will be homes to purchase, college educations to fund, and a retirement to save for.
With a true understanding of you and your needs – combined with a disciplined approach and a trained eye on the financial horizon – we can help you navigate through the cycles of life and the unpredictability of the markets, without losing focus on your priorities.
Speak with me for a few minutes and you'll notice something different. For more than three decades, my work has been my vocation and my passion. My longevity in the industry has provided me with a maturity and perspective that doesn't shrink during times of crisis. I'm skilled in circumventing pitfalls and remedying gaps that can occur over time.
To us, managing our clients' wealth is intensely personal. By connecting with you and asking the right questions such as, "What keeps you up at night?" we can get a better understanding of your story and what's important to you and your family.
Approach
Our approach to investing is grounded in an understanding of you. It all begins with a conversation. We take the time to get to know you — your kids' names, how hard you worked to get where you are and how you define success. We'll work together with you to understand your investment personality, prioritize your goals and build a financial approach that reflects your needs. We believe investors can benefit from our advice, access to the investment insights offered by Merrill, trust and fiduciary services from Bank of America Private Bank and the banking convenience of Bank of America. When it comes to your success, there’s only one financial approach that really matters — yours.
Your approach to investing
Drawing upon research in the field of behavioral finance, Merrill 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 approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.
Understanding your goals and priorities
Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.
Capabilities
Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.
Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).
Focus On High-Net-Worth Individuals and Business Owners
We offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances.
No matter what your goals may be, we begin by helping you define and prioritize your financial goals based on the following seven areas:
- Health: Managing healthcare expenses, now and in the future
- Home: Upsizing, downsizing, remodeling or buying a vacation home
- Family: Taking care of your family and other people in your life
- Leisure: Spending your free time in meaningful ways
- Giving: Volunteering, mentoring and giving to charities
- Work: Working in retirement, selling or starting a business
- Finance: Bringing it all together; defining your financial goals
- Potential risk management solutions
- Trust and estate planning services
- Potential wealth management solutions
- Access to Bank of America for your credit and banking needs
Recognition
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Sharon J Steiner
Forbes "America's Top Women Wealth Advisors Best-in State" 2022
Published on February 4, 2022. Rankings based on data as of September 30, 2021.
Forbes "America's Top Women Wealth Advisors" 2020
Published on April 21, 2020. Rankings based on data as of September 30, 2019.
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.
Bryan T Heim
Wealth Management Banking Specialist
Merrill
Marjorie Gefner
Credit Consultant
Bank of America, N.A.
NMLS #16270
Christopher Caradec
Wealth Strategist
Merrill
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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
MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
Your advisor is a click away within our site or mobile apps
You can 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’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.
Articles
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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