Focus On Retirement Planning

Over the last few decades, life expectancy has risen dramatically. Today’s retirees are not only living longer, they are living healthier longer. So a question to be answered is “What do you do with those extra years and how will you pay for them?”

No matter how much income you may have, putting a retirement strategy in place could be the most important thing—the first thing—you can do as you work with the team on your overall financial strategy. The team can help you determine your lifetime cash flow requirements, you can then focus on the other pieces of your financial life, including legacy and family needs, volunteering for charitable work, leisure time activities, acquisition of collectibles, and building a second home. Let’s talk about customizing and implementing a strategy to help you achieve a comfortable retirement.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Our Philosophy

With more than 175 years of collective service, members of our large, experienced team are proud of our longevity with Merrill and with each other. Senior partners, Kevin Taylor and Jason Tarver, have been working together since 1996. Our tenure in the industry has shown us that successful, long-term client relationships are dependent on exemplary service, which is why proactive client communication, timely responsiveness, precision, and accuracy are at the heart of our culture.

Each of our team members brings to the table diverse experiences and professional concentrations and designations, giving us a broad financial perspective from which to consider your wealth management needs. We are all equally familiar with every client relationship and collaborate together in offering the personalized support and attention you expect and deserve.

As a multigenerational team, we feel that our diversity in age assists us in effectively communicating and building lasting relationships with every generation of your family. Blending our collective skills helps us to apply a broad knowledge base and different points of view as we collaborate to serve you and your family at every stage of your financial lives.

We enjoy spending time with our clients in order to gain a deeper understanding of who you are and what’s important to you. We have a thoughtful, disciplined communication schedule so you can expect to hear from us on a regular basis. Throughout our process we strive to unwind the complexity surrounding your wealth management. Our goal is to keep you informed about economic and financial market conditions and continually refine the wealth management approach that works best for you.

We see every interaction with you and your family as an opportunity to listen, learn, develop and monitor—together.

Core Service Principles

With more than 175 years of collective service, members of our large, experienced team are proud of our longevity with Merrill and with each other. Senior partners, Kevin Taylor and Jason Tarver, have been working together since 1996. Our tenure in the industry has shown us that successful, long-term client relationships are dependent on exemplary service, which is why proactive client communication, timely responsiveness, precision, and accuracy are at the heart of our culture.

Each of our team members brings to the table diverse experiences and professional concentrations and designations, giving us a broad financial perspective from which to consider your wealth management needs. We are all equally familiar with every client relationship and collaborate together in offering the personalized support and attention you expect and deserve.

As a multigenerational team, we feel that our diversity in age assists us in effectively communicating and building lasting relationships with every generation of your family. Blending our collective skills helps us to apply a broad knowledge base and different points of view as we collaborate to serve you and your family at every stage of your financial lives.

We enjoy spending time with our clients in order to gain a deeper understanding of who you are and what’s important to you. We have a thoughtful, disciplined communication schedule so you can expect to hear from us on a regular basis. Throughout our process we strive to unwind the complexity surrounding your wealth management. Our goal is to keep you informed about economic and financial market conditions and continually refine the wealth management approach that works best for you.

We see every interaction with you and your family as an opportunity to listen, learn, develop and review—together.

Approach

Working with us means working with advisors truly dedicated to helping you pursue your goals. The approach is simple, transparent and supported by thoughtful investment guidance aligned to the goals that matter most to you.

The value of the relationship with you includes:

• helping you make informed decisions
• recognizing your life priorities and goals
• understanding your investment style
• helping you prioritize and pursue goals
• being transparent by making possibilities, fees and risks clear
• taking steps to help you preserve income during a life challenge
• educating the younger generation about investments and the markets

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.