Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Maggs & Associates has been helping affluent individuals and families develop customized long-term wealth management strategies since 1993. Based in Wyomissing, Pennsylvania, our team takes a hands-on, goals-based approach to serving some of the county's wealthiest retirees and pre-retirees, business owners, professionals and executives. Although many clients enjoy the benefits of living in a small town, they look to us to help them create large-scale strategies for every stage of their financial lives.
Our team members possess the academic and professional credentials and training to address your wealth management needs. We continually improve our skills and knowledge by earning additional designations and attending symposia on a wide range of wealth management topics. These help us stay abreast of new ideas, innovative approaches and important industry trends and enable us to prepare for events that might affect your financial situation. Even more important, we have substantial real-world experience that we bring to bear in developing strategies to help address your unique needs.
We enjoy working with and spending time with clients. We are honored that so many of them have been with us for years, and we strive to cultivate relationships with all generations of the families we serve. At your request, we will involve your children and grandchildren in our meetings, so that they are already familiar with us when the time comes for them to develop their own wealth management strategies. Our goal is to exceed your expectations with exceptional service and personalized attention.
We share with our clients a deep commitment to the community in which we all live and work. We are proud to volunteer in many of the same local organizations, and we organize special client appreciation events—some educational, some purely social—to deepen our understanding of their lives.
Wealth management is much more than a series of portfolio transactions. It is a disciplined process carried out over years, even decades. We take a client-centric approach, listening carefully to what you tell us to form a complete picture of your current financial situation and your goals for the future. Working collaboratively with you, we then help you develop strategies that are tailored to your objectives and address needs that you may not have even realized you had.
We begin with candid and thorough discussions that may include such topics as:
Our services extend beyond wealth management. Our goal is to provide you with a one-stop resource to help address the various aspects of your financial life—from investments, wealth transfer, life insurance and philanthropic desires. Through Bank of America, N.A., we can offer access to home financing.
Business Owners—Entrepreneurs look to us for assistance both in maximizing the amount of income they can defer for retirement and in providing valuable retirement benefits to their employees. Among the ideas we may suggest are 401(k), defined-benefit and nonqualified deferred-compensation plans, and profit-sharing programs. We can also help with business insurance, succession planning, and exit and cash management strategies.
Corporate Executives—We have considerable experience helping corporate executives prepare for their retirement and handle the risk inherent in equity awards and concentrated and restricted stock positions. When developing diversification strategies for these holdings, we also consider your other assets, risk tolerance, time horizon, liquidity needs and expectation for future growth. If appropriate, we may suggest using Merrill Lynch's sophisticated hedging strategies and derivative products.
Retirees and Pre-retirees—We offer advice and guidance on forging a realistic path toward a comfortable retirement. While you're still working, we can work your outside tax advisor to recommend tax minimization long-term strategies designed to maximize the benefits from company-sponsored offerings and other retirement sources. After you retire, we can suggest investment strategies designed to generate income and help you monitor your spending to help ease concerns about outliving your resources.
Estate Planning Services—Wealth transfer is a personal and sometimes complicated process. Working with your attorney and U.S. Trust, we can provide access to estate planning services through Bank of America. We will review your current situation and, if needed, work with you to develop and implement strategies designed to help you preserve your legacy.
Institutions—We understand that institutional investors have complex needs. Working with specialists at Merrill Lynch, we can help your organization with investment policy development, asset allocation modeling, manager selection and performance measurement. We can meet with your institutional board and investment committee to review your portfolio's performance and to present our current market research and outlook.
Credit and Lending—Working with a Wealth Management Lending Officer from Bank of America, N.A. we can help you analyze what you owe to whom and how much that debt costs you. We can also provide access to a wide range of credit services and loan arrangements to help you meet your personal cash management and borrowing needs.
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.
The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.
Wealth Management Lending Officer NMLS # 490247
Structured Credit Specialist
We along with your tax professional can help you understand how it might affect your investment 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.
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 give you peace of mind* that you're on track to help 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.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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.
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.
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.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
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.
We will work to help you stay on track, regardless of what the markets are doing.