Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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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.

Joan L Hebert

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.

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

Building enduring relationships

Founded in 2001, The Hebert/Jones Team has 120 years of combined financial services experience. Our members’ long histories with Merrill Lynch Wealth Management and with one another give us a valuable perspective that we apply in developing personalized wealth management strategies designed to help clients integrate the different aspects of their financial lives. We believe that our camaraderie and commitment to being a consistent resource for the clients we serve are the foundation of the enduring relationships we have built, some of which span approximately 30 years and several generations.

Our team has extensive academic and professional training that we draw on in assisting clients with the serious business of wealth management. We are dedicated to continually improving our skills and knowledge and routinely take courses on a wide range of wealth management and financial services topics. On our team, for example, Joan Hebert and Scott Jones hold the CERTIFIED FINANCIAL PLANNER, CFP certification, as well as the Chartered Retirement Planning Counselor, CRPC designation. This commitment to education helps us stay abreast of new ideas, innovative approaches and important trends, which we feel better prepares us to assist clients.

The clients we serve come from different walks of life and areas of the country, but they all have in common a determination to grow, preserve and distribute their wealth wisely. To assist them in pursuing these goals, we offer a range of services, including retirement and estate planning services, risk management and cash flow management strategies.

As longtime residents of Southeast Texas, we take great pride in assisting our friends and neighbors with their financial needs. We believe that the long-lasting relationships we have developed are based on hard work and mutual understanding and respect. We are committed to providing clients and their families with an outstanding wealth management experience, advising and guiding them on the path toward their most cherished financial goals and aspirations.

A total team approach

In our view, quality wealth management begins by creating quality relationships with clients. The concierge-level service we provide is based on four pillars:

Accessibility We encourage clients to call us anytime with questions or ideas. We enjoy interacting and spending time with clients, in order to gain a deeper understanding of who they are and what is important to them.

Attentiveness Every interaction with clients presents an opportunity to listen actively and learn about their values and family or business dynamics.

Responsiveness We seek to react to clients’ needs quickly and efficiently, giving requests, both large and small, our full attention.

Communication Whether clients prefer frequent check-ins by telephone or e-mail, occasional face-to-face interactions through videoconferencing or in-person meetings, we are committed to keeping them up-to-date on their portfolios' performance and abreast of global events and market fluctuations that might affect their progress toward their short- and long-term goals.

Identifying your goals, customizing your strategy

When working with you, we take the time to develop a thorough understanding of who you are, how you think and what matters most to you. By gaining an intimate knowledge of your priorities, we can help you create a strategy for pursuing your vision of the future.

In our first meetings with you, we do more than discuss your assets—we seek to gain a complete picture of your financial situation by asking questions to determine where you are, where you want to be and what's important to you. The information you share will assist us in forming a picture of your current situation and identifying the resources available to help you pursue your goals, whether they involve generating a sustainable income stream in retirement or helping to fund the next generation's higher education.

Using Wealth Outlook®, Merrill's proprietary brokerage report, we can analyze the different elements of your finances, including assets and liabilities, help you prioritize your goals and examine the trade-offs you may need to make in pursuing them. Based on this information, we propose customized strategies tailored to your objectives, risk tolerance, liquidity needs and time horizon.

Later we will meet with you regularly, to review your progress toward your objectives and to learn about any changes in your situation. We will also keep you informed of developments in the financial markets that could affect your positions, positively or negatively. This active communication allows us to suggest adjustments to your strategy, as required.

The value of a financial advisor

Investing for the future can be a delicate balancing act. With financial products becoming increasingly complicated, you need more than information to manage your wealth—you need the assistance of a professional advisor to help put that information into context. At The Hebert/Jones Team, we are committed to being there for you when life throws you a curve ball, when the markets become volatile or when it's time to reevaluate your long-term goals.

During bear and bull markets, it's easy to let emotions rule investment decisions. But this can lead to buying at inflated prices or missing out on rallies. Having experienced many market cycles, we can help clients filter out the noise and make informed decisions based on their goals, risk tolerance, time horizon and liquidity needs. Through our disciplined approach, we help develop diversified portfolios designed to weather both up and down markets.

We believe that your wealth management strategy should help provide consistent support to you and your loved ones over time. That is why we strive to build relationships with your family members now, so that when the time comes, they have a familiar resource to turn to for wealth management guidance.

Integrating the different aspects of your financial life

Our team can provide access to a Wealth Management Lending Officer from Bank of America, who can provide strategic and personalized home financing guidance focused on your needs. We also offer access to Bank of America for any of your other banking needs. As necessary, we can also draw on Merrill's deep bench of specialists in the areas of retirement planning, insurance and annuities. And, with your permission, we can coordinate with your other trusted professionals, including attorneys and accountants.






*Wealth Management Lending Officers do not offer investment advice, nor make recommendations on investment products.

Investing with a conservative bias

The foundation of our philosophy is wealth preservation. Our goal is to help you grow and maintain sufficient assets to support your lifestyle both before and during retirement. The strategies that we propose, in conjunction with your personal tax professionals, are designed to help minimize taxes and downside risk, while targeting returns that beat inflation and keep expenses low.

Retirement planning services

Today's increased life expectancies mean that your assets will have to last longer than those of previous generations of retirees. If you are still in your wealth accumulation years, we can assist in developing strategies designed to help fund the lifestyle you envision once you have stopped working, taking into account the potential effects of inflation on health care and other costs. Once you retire, we can assist with your distribution options for your 401(k) plan. You have choices about 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 roll over to an IRA or convert to a Roth IRA, roll over 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 investments 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. For more information, please contact your Merrill Financial Advisor. Whatever you decide to do, we can help coordinate your various income streams and assess whether these support your contemplated expenses. If gaps exist, we can assist in developing strategies to help address them.

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.