Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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Merrill lynch

The HGRF Group

Wealth Management
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Merrill Lynch
Wealth Management

Our Group = Your Team
Individually and collectively, we work to help ensure that clients gain from our broad range of experience, knowledge, and areas of focus.  Every client benefits from having one primary advisor, one back-up advisor, and our full administrative team dedicated exclusively to their needs.
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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 the banking convenience of 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

Financial 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 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 financial 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 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 Global Research is equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofA 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, Angela, or Dipa – one of our administrative team members – don’t handle your needs first.  To our great satisfaction, clients often come to view Mary, Dee, and Angela as the heart of our practice.

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

Supported by the global resources of Merrill, our group is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

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.

Joyce M. Cortez

Wealth Management Banking Specialist

Merrill

Jeff A Frank

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #620217

Joseph Michael Cuff

Structured Credit Executive

Bank of America, N.A.

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

      We believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, work with you to identify potential solutions that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management approach for the future.

      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.

      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.