Martha Kathryn Jones

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M. Kathryn “Katye” Jones, CRPC
Vice President
Senior Financial Advisor
Portfolio Advisor

Working on the Institutional side of Wall Street and now on the retail side of Wall Street has allowed me to gain a well-rounded understanding of Wall Street. With the depth of knowledge of both sides of these markets, I have a heartfelt passion to help my clients put their values into action – especially when life’s greatest difficulties may distract from the financial goals they’ve long envisioned.

I’ve enjoyed a successful career working for Merrill Lynch – devoting my energy and enthusiasm to serving a loyal, multi-generational clientele in Tennessee (and 17 other states). My clients look to me for wisdom and support to help move life forward. With rigorous training and working as an advocate for my clients, I initiate a wealth management approach to high net-worth individuals and families. Primary areas of my practice include Retirement Planning, Long Term care and Life Insurance planning, Business Retirement plans and Special Needs Services.

I obtained the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning. I am a qualified Portfolio Advisor who, in addition to providing traditional advice and guidance, can help clients pursue their investment objectives by recommending individual, or any combination of, Merrill Lynch or approved third- party investment managers’ strategies, funds or portfolios.



 
Over the years, I have actively supported the YMCA, Alzheimer’s research and served on the Board of Alexian Village of Tennessee (a retirement/healthcare community). I have also presented on Autism at the Autism Symposium at Lee University and ALS (amyotrophic lateral sclerosis) at the Everyday Hero’s Gala in Chattanooga, TN.  Inspired by my mother who cared for my oldest with special-needs sister and my other sister who suffered through ALS, I learned early on that life’s challenges can be unforgiving and that helping others is my gift that should be shared. Speaking at various events around the area, I hope to support finding a cure for ALS.  Aside from my professional life, one could call a cure for ALS one of my greatest personal passions.  


Chartered Retirement Planning Counselor SM and CRPC® are registered service marks of the College for Financial Planning.

  • LANGUAGES

    English

  • EDUCATION

    University of Tennessee System

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, 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

WELCOME

Despite the bumps you may encounter – financially, professionally and personally – I am here to help you focus on your aspirations, rather than feeling stuck in a current situation.

For years, I’ve brought clients the wisdom of Wall Street and the authenticity of Main Street. In fact, I began my career at a Merrill Lynch where I worked in institutional investing. In that role, I learned that dozens of global factors could affect people’s portfolios. With this knowledge, I now help clients grow and preserve wealth to the extent they’re comfortable with risk. I never forget that I’m helping to manage each client’s money (not mine). I admire clients for reaching a point where they can trust my input as an unbiased, fact-based advisor.

Who do I serve? Successful business owners, corporate executives (some with concentrated stock), physicians, attorneys, retired couples (who need to keep growing their wealth), widows and generations of their families across Tennessee and in 17 other states. I’ve also come to serve a circle of families I’ve helped with special-needs trusts for their children.

What distinguishes my offering? I treat clients like members of my family and treat their finances like a business. That demands my vigilance and skillset. Having served many clients for as long as 30 years and now their referred colleagues and family, I believe they value the longevity and quality of our relationships. Given that we’re the right fit, I hope to begin a long-term relationship with you, as well.

MY HANDS-HELD APPROACH

I take a highly personalized, planning-based approach with each client. My goal is serving your needs – not fitting them into a “cookie-cutter” investment strategy.

To help you articulate your goals and concerns, I want to know what’s on your mind and in your heart. Whether we’re sitting in my office, your home, or together at lunch, I’ll ask about your family, your proudest achievements, and your greatest fears. I’ll also listen intently to your questions, “When will I have enough to retire? Am I efficiently incorporating the new tax plan? My late husband took care of our financial paperwork – where do I start? How can I preserve wealth and still benefit from traditional market growth?  How will I pay for Long Term Care"?

Experience tells me that the “what if’s” in your life also need to be addressed sooner, rather than later.

I’ll review your will, health care proxies and other documents that can have a lasting impact on intergenerational wealth. We will also discuss your insurance coverage (or lack thereof) – especially, long-term-care insurance – as well as your Social Security strategy, and what would happen to your family if you don’t wake up tomorrow?

When helpful, I may also coordinate with our firm’s specialists and with your other trusted advisors. I can accompany you to the offices of your CPAs and attorney or host meetings in my office – to help align tax-minimization and estate planning strategies. To help enhance both sides of your balance sheet – assets and liabilities – I can connect you to specialists at Bank of America, N.A. for residential, commercial, and securities-based lending. “Bringing the right people to the table” on a regular basis reflects my commitment to serve the very best interests of you and your family.

*Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their professional advisors.


A WEALTH OF INVESTMENT EXPERIENCE

My background in institutional investing is rare among financial advisors. For much of my career, I spent years in institutional investing on the Merrill municipal bond trading desk. This experience afforded me first-hand insights into the behavior of global markets, the power and trends of interest rates, the effects of inflation, and the intrinsic value of stocks, bonds and other instruments.

Today, my ears remain open to the equity markets, government and corporate bond markets, the thought leadership of Merrill analysts, and others worldwide. Using professional managers I’ve known for many years – all whom are subject to the firm’s approval and due diligence – I am able to build custom portfolios that are as different as you are. Each strategy reflects you, the client – rather than me, the advisor. I weigh your risk tolerance, need for liquidity, investment timeline and short- and long-term goals. I also look for tax-efficiencies and, often, at high-dividend growth potential among large companies that have a tradition of solid returns.

As much as I know about global markets, I never forget that I’m in a “relationship business.” Providing you with a rewarding wealth management experience demands my genuine appreciation of who you are and why you’ve come to me. Quite simply, I can do my best work for clients whom I know well. That’s why it’s incumbent on me to continuously learn from you – not just at the outset of our relationship, but as it progresses. My goal is to help you succeed financially and emotionally.

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to achieve what's most important to you.

<br />Periodic reviews to help you <br /> stay on track

Periodic 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.

    <br />Monitoring changes in your life<br />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.

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I 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 Wealth Management 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 Wealth Management Advisor.

      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, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your strategy as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.