Offering you powerful insight and customized financial guidance

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

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.

WEALTH MANAGEMENT SERVICES

• 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

Dedicated investment guidance for long-term portfolios

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.