The Habecker Greiner Group

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The Habecker Greiner Group

Wealth Management

Whatever your personal goals may be, we will work with you to develop a customized financial strategy designed to help you pursue what’s most important to you.

Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Kent C Habecker

Kent C Habecker

Senior Consultant

717.295.5626
William S Greiner

William S Greiner

Senior Resident Director

717.295.5620
Catherine E (Kelly) Beitzel

Catherine E (Kelly) Beitzel

Registered Client Associate

717.295.5603
Fiona  Grant Boltz

Fiona Grant Boltz

Analyst Relationship Management

717.295.5679

Where do we begin? It starts with you.

At Merrill Lynch, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

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 Lynch 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 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
Wealth Management Advisor

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.
  • Monitor 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®
Vice President
Sr. Resident Director

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 Merrill Lynch 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.
*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.

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 Lynch's Investment Advisory Program. Kent is specially qualified as a Senior Portfolio Manager, a Senior 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 Lynch model portfolios, and third-party investment strategies. A Senior Portfolio Manager may make their strategies available to clients working with other Merrill Lynch Advisors. 

"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

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.