Women’s superpower: Investing

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Merrill lynch

Soto Sawyer Crosby Group

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Merrill Lynch
Wealth Management


As Merrill advisors, we can provide you with advice and guidance to help you develop a personalized financial strategy — and help you consider your risk tolerance, time horizon and liquidity needs.

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Welcome

What part of your life comes next? Are you preparing for retirement? Perhaps you’re planning to sell or transfer a business? Does real estate enter into your plans? The Soto, Sawyer, Crosby Group can assist you with a customized strategy to help you work with what you have accumulated to pursue your vision for your future.

Financial Advisors Charlie Soto, John Sawyer, and Dan Crosby, with their team, bring diverse backgrounds, personalities, and complementary skills to assist new and long-time Myrtle Beach area residents with financial preparations for life’s transitions. These can be special times in your life and may be accompanied by a variety of “what if questions.” The team follows a disciplined process to help you build a comprehensive financial strategy designed to assist you in answering many of those questions. We strive to work closely together, assisting you with the freedom to pursue the things in life that you’ve worked so hard to make possible.

Philosophy

We believe in a pragmatic approach that is also personalized and caring. Charlie, John and Dan recognize that the financial assets you’ve accumulated are what they are. By leveraging the insights of Merrill and with access to the banking, credit and lending of Bank of America and other strategic partners within the Firm, our team can streamline the process of helping you address virtually any financial need.

It is our belief that an open dialog and stress-free conversations where you can talk about anything that concerns you, is an essential building block to a long-term relationship. The team listens really well and strives to focus on what’s important to you, your family and to the next generation.

It is also valuable to hear about the financial concerns that may keep you up at night or you feel the need to shield from those you love. Your financial approach can be designed to incorporate your concerns, helping you follow your strategy even when the climate around you can make it difficult to do so.

Working with Us

Located in Myrtle Beach, our practice sees a broad spectrum of clients with concerns about their retirement and the legacy they may want to leave for their children and grandchildren. Therefore, an essential first step may be to help you validate how you see your retirement. In our experience clients may underestimate the different sources of wealth they can draw from to help fund their future lifestyle. We can help you organize and take stock of the financial assets you own, including 401(k)s, IRA's, pensions, social security, real estate, business equity, brokerage accounts, educational funding accounts, and insurance policies. With that knowledge we can look at the numbers to help you quantify where you currently stand relative to the retirement you envision. We can then work together to design a financial approach to help you pursue your lifestyle for as long as you need. For your other goals, we can draw on your remaining assets to help you structure additional strategies to pursue them.


Strategies for business and property owners 

You’ll have access to our extensive knowledge of the potential strategies business owners can follow to address a broad range of cash flow, lending and other non-investment needs.  For example, if you own or are purchasing real estate, we can discuss potential financing options without generally disrupting your wealth strategy. This, along with other possible strategies, can assist you in retaining ownership of your properties in retirement, while helping you make them available for the legacy you may want to leave. Whatever business challenges you may face, we are committed to being responsive to your needs and questions.

 

A multi-generational approach

Charlie, John and Dan have helped clients navigate the various stages in their financial lives, sharing in their achievements, helping them pass the torch to their children and assisting them in honoring family milestones. From assisting you with maintaining your lifestyle, to creatively helping you use your wealth to shape your legacy, we are committed to staying on top of your family’s needs and being the only financial advisor you and your heirs need for years to come.




*You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment(particularly with reference to employer stock), and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care.

*Banking products and services provided by Bank of America, N.A.

Team Capabilities

We see ourselves as a financial concierge, helping clients with potential solutions designed to meet the needs of family businesses, property owners, professionals, surviving spouses and families with multi-generational wealth.

For clients nearing retirement we offer a range of capabilities, including retirement income planning, tax-minimization strategies and wealth transfer strategies from Merrill and access to estate planning services and philanthropic solutions through Bank of America.

If you’re a corporate executive with concentrated stock positions, we offer guidance for diversification strategies*. For business owners, we can assist you in attracting and retaining employees by helping you build company benefit plans.

Charlie, John and Dan have local ties to the community and lifelong relationships that they can draw on to offer you another avenue to assist you with your business, health care funding and lifestyle needs. With your permission we can also work closely with your other professionals, such as attorneys, accountants and tax specialists, to help you pursue your goals.

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.

Charlie R. Soto

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

John H. Sawyer

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

Daniel P Crosby

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

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.

Eric Scriffiano

Employee Benefits Specialist

Bank of America, N.A.

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.