Now’s the time to have the bull at your back, with Merrill.

Now’s the time to have the bull at your back, with Merrill.

Merrill believes the future is bullish, even in the most unpredictable of markets. To see you through uncertainty and help you to find opportunities, we invite you to check out the latest investment insights from our Chief Investment Office.

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Meet Our 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

Offering you powerful insight and customized financial guidance

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THA & Associates is a Merrill Lynch wealth management team focused on helping petrochemical industry professionals preserve their retirement holdings and other financial assets.

Lee Turley, Mark Hall and Dustin Albanese lead the team. We're experienced financial professionals who know the petrochemical business, the types of retirement plans the industry offers and how to help you develop sensible investment and distribution strategies for your assets.

Helping you get from where you are to where you want to go takes careful assessment and forethought. When you begin to consider who could help you on your financial journey, look at who's been helping your friends and colleagues in the oil fields, in the plants and along the pipelines prepare for retirement. We believe few, if any, wealth management teams have this kind of hands-on insight and knowledge of your business.

An experienced guide to help you maximize your retirement

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At THA & Associates, the majority of clients we serve—mostly energy-industry professionals—have built up significant assets over time. They often find that the strategies that helped them get to this point may not be the best ones to help them enjoy a retirement of 30 years or more. Income generation, taxes, inflation, healthcare costs—these are just some of the challenges that retirees face.

We offer you:

Customized financial advice and guidance: THA & Associates gives you access to the investment insights of Merrill Lynch Wealth Management and the banking convenience of Bank of America. You can have your financial needs addressed efficiently through a single point of contact.

Consolidated portfolio guidance: You may have funds in your employer’s retirement plan as well as other investments and savings. THA & Associates can help you coordinate all of your assets under a single, clearly defined strategy.

Personalized service: We believe a key differentiator of our team is our service. Throughout our work with you and your family, we strive to help enhance your financial management and help you move toward your future goals. Just as important, we’re here to listen, to understand, to help offer a strategy to address any financial issue, no matter how small or large.


  • Retirement planning services
  • Cash and income management
  • Liquidity management
  • Investment management
  • Estate planning services
  • Tax minimization strategies, in collaboration with your tax professionals
  • Access to credit and lending services, through Bank of America, N.A.
  • Life and long-term care insurance
Investment Products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated. Banking Products are offered by Bank of America, N.A.

Wealth management to help you use your resources wisely

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"Today's financial landscape is changing at an increasingly rapid pace. 
Our role is to be at the forefront of design and innovation as we lead clients through times of uncertainty.  Therefore, precise attention to the unique details of each client's individual circumstances supports directly our helping the client develop efficient and sustainable wealth management strategies."

Dustin C. Albanese
Senior Vice President
Senior Financial Advisor

Your savings and investments have the power to help you enjoy retirement on your terms, on your timetable. Whether you're approaching retirement or already retired, THA & Associates can look at your entire range of assets and expenses to help you understand where your finances are now, and we can recommend strategies for the years to come.

We can show you if your spending is high relative to your assets, if you can possibly save money on interest, taxes, fees and other expenses, and if your present portfolio is in line with your retirement goals. Our aim is to help you preserve and potentially grow your resources in the most advantageous ways possible.

Helping you as you approach retirement

Regardless of how much clients have saved, we often find they need help preparing for and making the adjustment to retirement life. Step by step, our team will help you crystallize your retirement goals. What kind of lifestyle do you want? Where will you live? What kind of income will you need?

Also, many people are understandably concerned about making the leap from a steady company paycheck to living off their own assets. We can help you understand the kinds of income options available to you, and to show you how you could take distributions sensibly and smartly, while retaining your core wealth structure.

Dedicated investment guidance for long-term portfolios

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THA & Associates help you stay focused on the big picture while making necessary adjustments along the way. The strategies we design with you are intended to handle inevitable changes in your life and larger financial world.

Resource preservation: After years of building up significant assets, clients are understandably interested in preserving as much as possible. THA & Associates can recommend portfolios geared to your risk tolerance, time horizon, liquidity needs, lifestyle, spending and goals. Also, because many clients enjoy above-average incomes, even into their retirement years, we can offer cash-flow management strategies designed to help you make the most of your earnings.

Potential growth: Our team explores various growth strategies designed to help your portfolio address your needs while withstanding inflation and inevitable market and economic cycles. We can also work with your outside tax and/or legal advisors to address any tax issues. We look at how much growth you may need and for how long, and how much liquidity you may need at any given time.

Refinement: A smart financial strategy evolves with you as your life and outlook change. THA & Associates periodically reviews your portfolio, as well as various risk scenarios that may impact your wealth. Where needed, we can offer refinements to help keep your core strategy on track and moving toward your goals.

Discretionary Portfolio Management

If you're seeking a higher level of investment management, THA & Associates offers discretionary portfolio management. This fee-based program lets us, with your permission, build and manage custom investment strategies, and to make buy-and-sell decisions according to your investment objectives. This eliminates the need for your day-to-day involvement and gives your portfolio the flexibility it needs. Lee Turley and Mark Hall are specially qualified Portfolio Managers. A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies.

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.


    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.


      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.

      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.