Women’s superpower: Investing

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Women’s superpower: Investing

Watch our experts share ways to tap into your ability to build a more secure financial future.

Watch now

Merrill Lynch

The Habecker Greiner Group

Wealth Management

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FINRA's BrokerCheck

Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.

The Habecker Greiner Group

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The Habecker Greiner Group has been helping affluent individuals and families develop customized long-term wealth management strategies since 1981. Our team takes a hands-on, goals-based approach to serving a diverse clientele of retirees and pre-retirees around the country.

We draw on more than 80 years of combined financial experience at Merrill and provide traditional service to clients. Many of our relationships span more than three decades and several generations. We believe that our dedication to a consistently high level of service and our attention to detail are the reasons that a high percentage of clients remain with us through many years and various markets.

Whether you are accumulating wealth or are relying upon income generated by your assets to maintain your retirement lifestyle, we offer insightful advice and guidance to help address your financial needs.

"Service is our hallmark. We take a hands-on, personal approach and are committed to putting clients first. We communicate with you proactively, and every team member seeks to provide you with consistently professional and responsive service."

Catherine E. (Kelly) Beitzel
Registered Wealth Management Client Associate

Our Approach to Financial Guidance

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We understand that wealth management is not just about assets and liabilities. When developing strategies, we focus on more than investable wealth. Our process begins by sitting down with you to learn what is important to you and why. This knowledge forms the basis for the recommendations we make.

In addition to your financial data, we ask about your:

  • Retirement and wealth transfer goals
  • Liquidity needs
  • Time horizon
  • Risk tolerance
  • Spending patterns
  • Expectations for return

Before proposing any strategies, we will describe how we invest and why, and inform you of any fees you may incur. Throughout our relationship we seek to communicate frequently with you about your portfolio, as well as about market developments and new strategies or approaches you may wish to consider.


"We thoroughly explain the strategies we recommend. We want you to understand the various aspects of your investment program. Every decision we make is focused on pursuing the results you want."

Kent C. Habecker, CPM®, CRPC™
Managing Director
Senior Consultant

Our Strategy for Personal Wealth Management

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Our experience has taught us that no two clients, or their financial situations, are alike. Everyone has a unique set of challenges, needs and motivations, and the strategies we create for you are tailored to your individual requirements.

Helping you with your investments is just the beginning. Our value to you extends beyond investment management to the highly personalized services and strategies we offer. We want to become a valued resource for you, your family and future generations by providing:

  • Risk management strategies
  • Tax minimization strategies, in collaboration with your tax advisor
  • Wealth transfer strategies
  • Retirement planning services
  • Access through Bank of America to credit and lending services

We can provide you with advice and guidance and help you to:

  • Establish objectives—Understanding what is important to clients is our first step in creating a wealth management strategy.
  • Set and implement a strategy—We can recommend an individualized asset allocation that incorporates your time horizon, liquidity needs, expected investment return and risk tolerance. With your approval we can execute this strategy.
  • Track progress—On a periodic basis we can review your portfolio to try to keep it aligned with your goals and objectives.
"Our team is dedicated to understanding what is important to clients and working with them to create individualized strategies to help pursue their goals."

William Greiner, CRPC™
Managing Director
Senior Financial Advisor

Our Investment Philosophy

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Investing is a long-term proposition, so we focus on long-term results not short-term market swings. We believe the most important decision you will make is not the specific investments you select; it’s your asset allocation. We can guide you in developing an asset allocation that incorporates your goals, objectives, time horizon, liquidity needs and risk tolerance.

Research is essential to our approach. We use the well-respected research of BofA Global Research and third-party analysts to gain perspective on world events and global economics and capital markets. Drawing on the insights and knowledge these sources impart, we can help you make informed decisions about investments and your overall wealth management strategy.

Discretionary Portfolio Management
Many individual investors do not have the time, ability or desire to make day-to-day investment decisions. For those clients we offer discretionary portfolio management through Merrill's Investment Advisory Program. William is a Portfolio Manager, a A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies.

"Client education is an important aspect of our responsibility to you and your family. We understand that clients have different levels of investment experience, and we seek to expand your financial knowledge so that you can make informed decisions about your wealth management."

Fiona Grant Boltz, CRPC™
Analyst Relationship Management



*Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

*Any information presented in connection with BofA 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 Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA 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.

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.

William S Greiner

Forbes “Best-in-State Wealth Management Teams” 2024
Published on January 12, 2024. Rankings based on data as of March 31, 2023.*

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.

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.

      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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      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.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

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

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

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