Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.
We have a range of services that we can deliver to clients that extends beyond wealth management. We guide clients with investments, wealth transfer, life insurance and long–term care insurance. Through access to resources at Bank of America, we can help clients explore a range of credit and lending services. We have strategies customized for your needs.
Retirees and pre-retirees–We will help you determine the amount of wealth you need to accumulate to make your path to and through retirement fulfilling. While you are still working, we will recommend strategies designed to help maximize your retirement income. After you retire, we will customize an income stream.
Estate planning services–Wealth transfer is often a goal of clients. If your unique financial situation warrants it, we can work with you, your attorney, and U.S. Trust, which provides fiduciary services for Merrill Lynch clients, to develop strategies designed to help you preserve your legacy. We give clients access to exclusive legacy-planning vehicles through Trusteed IRAs.
Business owners–From 401(k) and profit-sharing plans to defined-benefit and non-qualified deferred compensation plans, we have experience assisting business owners who seek to maximize the amount of income they can defer for retirement while providing valuable retirement benefits to their employees.
Corporate executives–It is common for corporate executives to develop concentrated and restricted stock positions over the course of their careers. We have experience developing diversification strategies for these holdings that we can align with your risk appetite and goals in mind.
Credit and lending–You may also benefit from the experience of a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized banking guidance focused on your needs. Working together, your Financial Advisor team and Lending Officer can draw upon an expansive array of lending solutions designed to fit into your overall financial strategy and help you pursue your financial objectives. The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.
In order to create a diversified personalized portfolio that fits you and your unique situation, Rebekah and Kirk execute a dedicated process that starts with developing a deep understanding of your complete picture.
Getting to know you
Our first goal is to get to know you and your unique situation. After we have a good understanding of what is important to you and what you are trying to accomplish with your wealth, we will work with you to uncover your attitude toward investing and the amount of risk you are willing to take to pursue your goals, as managing risk is a top priority.
Creating a portfolio that reflects your personality
Once we have a thorough understanding of your complete financial picture, our team will build a diversified portfolio personalized for you. We will explain the investments that we are recommending in terms that you will understand, and we will discuss the investment risk relative to the potential return of any recommended strategies. If you are in agreement with the strategy, we will begin implementing it.
Reviewing progress toward goals
We will meet with you periodically in a manner that it is comfortable for you – in person, phone or online. We will review progress toward your goals and performance against benchmarks. These reviews also keep us informed of changes in your overall picture that we will help you address. In addition to scheduled reviews, you can call us any time, and we will call you if market conditions might affect your strategy.
Adapting as life changes and goals are reached
Through our open and frequent communication with you, we will know when your priorities change or when your risk tolerance changes. When you face any change to your financial picture, we will collaborate with you to adjust your portfolio as necessary to help you stay on track to make progress toward your goals.
Today's affluent investors frequently retire from their current career to begin a new dynamic chapter in their life. They travel extensively, give back to their communities, help their children or grandchildren, or even start second careers. Our team is dedicated to support you through these endeavors by offering retirement strategies that are driven by your definition of retirement with guidance that considers the following aspects:
What is your ideal retirement outcome? Our team can help you crystallize your thinking about your retirement. By developing a deep understanding of your complete retirement outlook, we will help you determine how much money you need to retire. We will also help you develop tailored income and investment strategies designed to help you pursue your goals.
What kind of portfolio offers you the potential to support your retirement lifestyle? We will help you customize income and investment strategies designed with the goal of achieving your desired retirement goals.
What kind of income do you need? In order to maintain your chosen lifestyle, we will help you consider various income and distribution strategies and customize an appropriate one for you.
What special needs may you have? Our team's knowledge and experience about long-term care and healthcare savings strategies can help you address these needs while keeping you on track with your retirement goals.
Whether you are in the early stages of planning for retirement or already retired, we can analyze your expenses, cash flow and investment picture to see how long your assets could last and recommend ways to help you keep more of your money working for you.
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.
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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.
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 you stay on track to 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.
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*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. Merrill Lynch Wealth Management 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.
There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs – a caring advisor who can leverage the investment insights of Merrill Lynch and access to the banking convenience of Bank of America to help clients face today’s financial and economic landscape. Let’s work together to help you achieve your goals.
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.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, 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.