Philosophy

We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Wealth Management Planning Process

1.  Establish Our Relationship

We will explain our wealth management planning services and define each of your responsibilities within the relationship. You’ll discuss the scope of the relationship, how decisions will be made and compensation.

2.  Gather Your Data and Establish Your Financial Goals

At your Discovery meeting we will talk about your current financial situation and review necessary documents. Together, we’ll define your personal and financial goals, including time frames. You will also want to discuss your comfort level when it comes to taking financial risks.

3.  Analyze And Evaluate Your Financial Status

We will consider all aspects of your situation to determine what you need to do to meet your goals. Depending on what services you’ve asked for, your advisor may analyze your assets, liabilities, cash flow, current insurance coverage, investments or tax strategies.

4.  Review Recommendations

We will go over your financial recommendations, explaining the rationale so you can make informed decisions. At this stage, we will also listen to any concerns you may have and revise our recommendations if necessary.

5.  Set Your Course

We will need to agree on how the recommendations will be carried out.  We may carry out the recommendations or serve as your coach, coordinating the process with you and other professionals, like attorneys or accountants.

6.  Track Your Progress

As you work toward your goals, we will track your progress to make sure you’re staying on course. We will check in from time to time, reviewing your situation and making any necessary adjustments to our recommendations.

Our Services

• Retirement Planning

• Investment Management

• Estate Planning Services

• Transition Planning

• Small Business Banking

• Elder Care Planning

• 401(k) Advice

• College Planning

• Life & Health Insurance

• For Physicians 

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Focus On High-Net-Worth Individuals and Business Owners

We  offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances.

No matter what your goals may be, we begin by helping you define and prioritize your financial goals based on the following seven areas:

• Health: Managing healthcare expenses, now and in the future
• Home: Upsizing, downsizing, remodeling or buying a vacation home
• Family: Taking care of your family and other people in your life
• Leisure: Spending your free time in meaningful ways
• Giving: Volunteering, mentoring and giving to charities
• Work: Working in retirement, selling or starting a business
• Finance: Bringing it all together; defining your financial goals

• Potential risk management solutions
• Trust and estate planning services
• Potential wealth management solutions
• Access to Bank of America for your credit and banking needs