The Crouse Team

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Merrill lynch

The Crouse Team

Wealth Management

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Merrill Lynch
Wealth Management
The Crouse Team believes that good client relationships are built through teamwork and client involvement, delivered through our advisors, client associates and access to the global resources of Merrill Lynch. Our goal is to be your primary source for financial advice and guidance. We want you to value the dedication and diligence we provide at each step of the wealth management process.
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Welcome

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.

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Helping You Navigate Each Stage of Life

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.

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Investment Strategies Customized For You

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.

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Designing Retirement Strategies to Match Your Outlook

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.

  • My passion has always been to help people pursue a life of financial freedom. I look forward to meeting you in person and showing you how we can help you pursue your financial dreams.Rebekah Crouse, Senior Vice President, Senior Financial Advisor , Portfolio Advisor

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.

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.

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.

    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 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

    • 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'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. 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.

    Let’s Have a Conversation

    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.

    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.