The HGRF Group

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Merrill Lynch

The HGRF Group

Wealth Management

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Merrill Lynch
Wealth Management
“The Interest of our clients must come first”

-Charles E. Merrill

The HGRF Group

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HGRF Welcome

The HGRF Group provides access to the combined resources of Merrill Lynch Wealth Management, Bank of America Private Bank, and the banking convenience of Bank of America for individuals and families seeking personalized guidance and long-term goal fulfillment.  Individually and collectively, we work to help ensure that clients gain from our broad range of experience, knowledge, and areas of focus.
 

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Understanding You

We start by meeting you where you are.  You are the world’s leading authority on you, and our job is first and foremost to learn about you in a way that enables us to seamlessly align you with access to the combined resources of Merrill Lynch Wealth Management, Bank of America Private Bank (formerly US Trust), and Bank of America.  We follow an in-depth process aimed at understanding you, not just numerically, but holistically.  Only when we’ve done that can we be useful to you as financial advisors, wealth management advisors, and confidants.

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Coordinated Action

Investment strategies are coordinated along two fronts.  First, with a solid understanding of your goals and personality, we develop portfolios specifically designed to address your short, intermediate, and long-term objectives.  Second, utilizing BofA Merrill Lynch Global Research, we make intelligent and informed portfolio adjustments in accordance with the dynamic nature of today’s marketplace.  Our open-architecture investment platform means that we can access virtually every asset class, and by coordinating your investment strategy with the dynamic nature of both your life and the marketplace, we work to deliver efficiency and satisfaction. 

*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

 

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Intentional Service

Service is the cornerstone of our practice, and HGRF clients know they come first.  We provide clear, consistent communication aimed at keeping you informed and feeling connected at all times.  Planning and goal-setting meetings, progress report meetings, market-updates, and a number of web and app-based interactions are just some of the ways we stay connected. 

When not in meetings, HGRF partners answer our phones, and when we cannot, we return calls promptly.  Unless, of course, Mary, Dee, or Angela – one of our administrative team members – doesn’t handle your needs first.  To our great satisfaction, clients often come to view Mary, Dee, and Angela as the heart of our practice, and with Tonya helping behind the scenes, our heart never skips a beat.

Going beyond the basics, we interact with clients daily on a wide range of matters specifically related to the logistics of managing wealth.  With access to the combined resources of Merrill Lynch Wealth Management, banking convenience of Bank of America, and Bank of America Private Bank, The HGRF Group serves the needs of families across all aspects of their financial affairs, doing so with competence and gratitude.

Our Group = Your Team

Individually and collectively, we work to ensure that clients gain from our broad range of experience, knowledge, and areas of specialty.  Every client benefits from having one primary advisor, one back-up advisor, and our full administrative team dedicated exclusively to their needs.   

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Jeff A Frank

Jeff A Frank

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #620217

Jocelyn T Smith

Jocelyn T Smith

Retirement Specialist

Merrill Lynch

David R Work

David R Work

Trust Specialist

Merrill Lynch

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

      We believe it’s important that you seek the advice and guidance of an experienced Merrill Lynch Wealth Management Advisor who can thoughtfully analyze your situation, identify strategies that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management strategy for the future.

      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.