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The BF Wealth Management Group

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Merrill Lynch
Wealth Management


We bring an uncommon measure of acumen and attention
to clients whose visions and values demand both.

Our mission is to serve the best interest of our clients with an adaptable wealth management strategy as dynamic
as they are.

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WELCOME

At The BF Wealth Management Group, we guide generations of clients toward meeting meaningful goals for themselves and the people they love.

The men and women we serve are highly accomplished and want to accomplish more. They include active and retired physicians and other medical professionals, C-suite executives, attorneys, and others who need – and deserve – a comprehensive and seasoned approach to managing their wealth. We are also a trusted resource for families and individuals who have experienced a significant change or loss within their family, as well as endowments whose missions we personally support.


Clients often seek our advice when their lives reach an inflection point – when their wealth becomes too intricate to manage on their own, or they become too busy to manage it day-to-day. Our group also advises clients when critical financial decisions need to be made.

We grew up in York, Pennsylvania, and we continue to make it our home. Our devotion to our clients both here and around the nation is matched by our devotion to our local community. One of our core values is “giving back” – both in time and resources, to our community through various charitable organizations.

As an established team of highly-credentialed advisors, the foundation of our offering is a rigorous, planning-based approach. Not a one-time event, this process is ongoing – so that we can understand the mindsets and motivations of each client as they evolve.

Having managed our clients’ money and emotions amid the volatility of 1987, 2000, 2008, 2020 and 2022, we feel proud that virtually all of those clients remain with us today. We believe that’s due in large part to our determination and ability to mitigate investment risk as part of a comprehensive, long-term strategy that touches every corner of a client’s financial picture.

Regardless of their financial sophistication, level of wealth, age, or life stage, we are as committed to our clients’ success as they are. In each relationship, we recognize the roles we play and the trust we must earn. It would be our privilege to put your wealth to work and your goals within reach. We ask for the opportunity to accompany you on your journey.

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OUR PASSION FOR PEOPLE AND PLANNING

At The BF Wealth Management Group, we provide a planning-based approach whose depth and breadth clearly distinguishes our practice and the enduring benefits that clients can enjoy.

As active listeners, we will encourage you share both where you are now in life, and the destination you desire to reach. By empowering our clients through empathy to feel confident in their decisions, our goal is to become your “go-to” resource and sounding board for a vast range of circumstances and decisions. 

We recognize that your life experiences and attitudes toward wealth are unique. That’s why we don’t make assumptions. Instead, we make time to appreciate who you are, how you think, and what’s on your mind. First, however, we will decide together if we’re a good fit for you, and vice versa. Given our highly personalized, multi-faceted process, we want to be sure you can benefit from it.

In early discussions with you (and your spouse or partner) – and over the course of our relationship – we will listen and ask questions: “Tell us about yourselves and your family. When you look at your financial plan, do you think you’ll have enough for what you want?  Is more coming in now, or going out? Where do you call ‘home’ now, and later? What’s your experience managing money? What’s working and what’s not? Why are you here – and why now? How can we help?”

 

WHAT CLIENTS CAN EXPECT

We believe that your financial success and personal satisfaction are predicated on our ability to cultivate an intimate understanding of your situation, mindset, and motivations. Our process must begin with you.

As a client of The BF Wealth Management Group, you can expect that we will:

  • Be authentic, intentional, and transparent. We are fact-driven and want you to be the same.
  • Serve your best interests. We will apply a fiduciary standard and act as a responsible steward of your wealth and wishes. 
  • Plan for the worst and hope for the best. Why? Because we cannot see around investment corners, your health, longevity, future inflation, interest rates, and taxes. Accordingly, we are conservative in crafting a strategy that addresses your expectations as well as what you don’t expect. 
  • Explain what actual outcomes look like. Going beyond spreadsheets and simulations, we will illustrate real-world scenarios and discuss them with you. 
  • Talk to you regularly. Most conversations with clients revolve around their families. We will answer your questions and address your less obvious concerns. The more we ask, the more we know. 
  • Prepare you in advance for key decisions and try to prevent you from making abrupt financial decisions at the wrong time – especially during periods of volatility or personal difficulty. 
  • Do our best work as your needs grow in complexity. We enjoy rolling up our sleeves. The more you ask us to do, the more value we can deliver. 
  • Serve as long-term financial allies – standing with and behind you when you need us most. Our ability to serve and desire to help are at the foundation of our offering. It is our intention to become an integral part of your financial life and the financial lives of your family.  
  • Travel to see you – across town or across the country.  While we utilize WebEx and Zoom, send emails and call clients every day, we find that face-to-face conversations give us the best indication of their comfort level and confidence.
  • Strive to optimize both sides of your balance sheet – assets and liabilities. With real-time knowledge of your full financial picture, we can offer suggestions for decisions like purchasing a home, buying vs. leasing a car, and ways to leverage debt. We also offer easy access to Bank of America for residential and securities-based lending solutions, and can incorporate solutions for managing day-to-day cash flow using checking and savings accounts. 
  • Leverage the award-winning research of Merrill and Bank of America, as well as external sources. We will build and manage your portfolio using strategies that incorporate equities, bonds, ETFs, mutual funds, and alternative investments* based on your risk tolerance, liquidity needs, time horizon, short- and long-term objectives, and market conditions. At every opportunity, we will explain your investment allocation, what you own, and why.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
*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.

Our Approach

Here are the goals we hear most often from clients. Perhaps yours are similar: 

  • Retire without compromising their lifestyle or worrying about outliving their income.
  • Play a positive role in the financial lives of children and grandchildren.
  • Care for parents if and when they need it.
  • Leave a meaningful legacy to families and worthy causes that hold up under scrutiny for tax efficiency and achieving long-term success.

In addition to your goals, we will look for “holes” in your financial picture – areas that might not be as developed as they could be. We will ask about your trusts, wills, and other important provisions. Estate planning is another area in which we focus intensely and have extensive skills. When appropriate, we coordinate closely with clients’ CPAs and attorneys to “marry their goals” with tax-minimization and estate planning strategies that allow for optimal results.

Only after these critical steps, will we ask about – and examine – your investments and other assets. We will also analyze your personal and professional liabilities, how you manage debt, and opportunities for you to improve cash flow.

Our clients’ achievements have led to wealth and opportunity. It is incumbent upon us to help manage both, responsibly and in the most respectful manner.

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.

Robert E Fegely

Forbes "Best-in-State Wealth Advisors" 2022, 2023 and 2024
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

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.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Angela Camplese

Wealth Management Banking Specialist

Merrill

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.