Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.
As proponents of client education, we dispel myths almost daily.
A common one is that “planning is a one-time event”. Not true. Superior wealth management demands a planning-based approach that is ongoing. This helps us address changes in your income, liquidity needs, risk tolerance, time horizon, life’s personal challenges, and the financial decisions you face each year.
Our initial discovery process gives us insight about the values that inspire you, your most cherished goals and your greatest fears. After we know where you stand financially and what you envision for yourself and loved ones, we can craft strategies that are specific to you and your family. These may involve wealth accumulation, income generation, or asset distribution to help you sustain a lifestyle or leave a legacy.
In meeting our fiduciary role of serving your best interests, it’s incumbent on us to develop an intimate understanding of how you view your wealth and the world. We will encourage you to ask questions: “When can I retire and how well? Will I outlive my savings? Do I have enough to cover my needs, pursue my dreams and handle the unexpected? How can I provide for my children without compromising my retirement lifestyle?”
Using our firm’s sophisticated retirement outcome probabilistic tools, we can analyze the likelihood of you achieving your goals and desired lifestyle. We can also pinpoint what you’ll need to save now and later to provide cash flow or income (adjusted for inflation) for your lifetime.
Similarly to a worthwhile long-term investment, we measure our success by bringing you the consistent value that can endure for generations.
How do you define risk?
We have two critical responsibilities. The first is to inform you about the role of risk in your portfolio. The second is to help you determine the level of risk required to help you achieve your goals (accounting for inflation and other factors).
Having seen many investors “chase performance” and “trade on emotion,” we try to help clients avoid the mistakes they might make on their own. How? By establishing a mutually agreed-upon investment strategy, explaining its importance, and each client’s role in following it.
We also believe:
Business owners take risks on a daily basis. The last thing you may want is to create unnecessary investment risk.
Diversification can be an effective way to dampen portfolio volatility and moderate risk. Using insights gleaned from decades in the industry, we can build your portfolio with strategies that may include equities, taxable and tax-advantage fixed income and for qualified investors, hedge funds and private equity.
Being long-term shareholders of well-known companies with solid management and a history of growing dividends can continue to be a wise course of action. To identify companies with these and other characteristics, we use internal and external research and the firm’s due diligence. Selecting outside investment managers is not a decision we take lightly.
We do well for our own families by doing well for our clients’ families. Our clients rely on our financial knowledge and “know how” to help them enjoy positive financial outcomes. The referrals we’ve received over many years tell us we’re doing our jobs well.
Many clients come to Weatherly & Associates with concerns that were not adequately addressed by their previous advisors. Others were drawn to our reputation for delivering seasoned perspectives on market behavior, an added layer of financial sophistication, and genuine integrity. Clients’ referrals tell us they’re pleased with the experience.
Given the ambitious nature of most clients, we may help them pursue paths that are uncommon – but ones that bring meaning to their years of hard work. To address your specific concerns, we listen and learn during our initial discovery process and throughout our relationship. Our fiduciary duty inspires us to craft a highly personalized, cohesive strategy for you, and you alone.
In order to help preserve your wealth across generations, we can coordinate with your CPA and attorney to help align efforts for tax minimization and estate planning strategies, family partnerships and other ways to pass along assets in a tax-efficient manner. We can also conduct insurance and risk management reviews, as well as educate you on gifting rules.
Help you prepare for circumstances that you anticipate and those you don’t.
Meet at your home or office – or wherever you’re most comfortable having a thoughtful discussion.
Meet with your children, grandchildren and/or parents – with your permission – to create open lines of communication during the eventual, often emotional, transition from one generation to another.
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Forbes “Best-in-State Wealth Advisors” in 2018 and 2019.
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.
Learn more about the highly engaging podcast series from Merrill Lynch
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.
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 you stay on track to 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 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
*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. Merrill Lynch Wealth Management 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 Wealth Management 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.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, 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.