Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Get To Know Us

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.

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.

Daniel Colt

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #39170

Chilel Khan

Wealth Management Banking Specialist

Merrill

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

Wealth Management Tailored For You

As of Janaury 1, 2024 our TSPN Wealth Management Group, has garnered over 210 years of collective industry experience and are entrusted with over 3 billion in client assets. We serve a select circle of individuals, which includes CEOs, entrepreneurs and executives. We are dedicated to building a personal and lasting relationship with you and your family to help you through the process of managing family wealth. Our clients and families expect our team to help simplify the complexities of their financial lives by: 

  • Following a disciplined, structured process with an investment program that maintains flexibility to adapt to rapidly changing economic climates. 
  • Complying with all applicable due diligence requirements that a prudent investment professional would utilize; and with all applicable laws rules and regulations that may impact the family's accounts. 
  • Establishing consistent communication and helping to ensure your financial strategy remains aligned with your goals. 
  • Seeking to understand each aspect of your life so that we may offer financial advice and guidance based on investment and planning principles. 
  • Offering a mathematical, non-emotional investment process that is based on planning principles. 

Our Services:

Individual Investors
  • Retirement Planning
  • Portfolio diversification
  • Straight forward advice and guidance 
  • Personalized wealth planning
  • Full range of banking and investing services
  • Clear, transparent pricing
  • Helpful, professional experience

Institutional Investor
  • Equity compensation plans
  • Retirement plan strategies and construction
  • Employee education programs
  • SEC reporting
  • Stock option exercise

*Banking Services are through Bank of America, N.A.

 

The Importance of Organizing Your Financial Life

Procedures
  • We strive to simplify the complexity in your financial life by offering a written plan of action for all stated goals. This includes advice and guidance based on investment and wealth management principles. 
Audit
  • Annual evaluation of your progress, including a discussion about any life changes, helps ensure that your financial strategy remains aligned with your goals. 
Relationships
  • Through regular and consistent communication, our dedicated team seeks to understand each aspect of your financial life. 
Discipline
  • We pride ourselves on following a disciplined, structured process and investment approach that maintains flexibility to adapt to a rapidly changing economic climate. Regardless of the environment, we will help you stay on track to pursue your family's goals. 

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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 Investment Approach

Our mathematical, non-emotional investment process includes strategic asset allocation. We tailor allocations to you and your family in line with your goals, risk tolerance, time horizon and liquidity needs. We believe diversification - across global asset classes, investment styles, sectors and industry groups - is fundamental to long-term goals and portfolio risk management. Considerations include but are not limited to: 

Investment portfolio objectives: 

  • The goal for assets in each account (i.e. retirement income, education funding, long-term care) 
  • The length of time the assets are expected to be invested
  • The need to access funds for use outside of the investment account

Portfolio construction considerations: 

  • Cash needs (liquidity): 
    • Have assets been pledged to back a loan? 
    • Are there alternative investments with a lock-up period? 
  • Tax considerations: 
    • Invest for taxable dividend and interest income in the individual retirement accounts
    • Invest for qualified dividend and tax-free interest in taxable accounts, considering tax-loss harvesting where appropriate 
  • Borrowing capabilities (leverage): 
    • Has a line of credit been established? 
    • Do any accounts use margin and/or invest in options? 


Meetings are held with each client to review investment performance, portfolio rebalancing and current strategy, for adjustments as your goals and risks and opportunities emerge.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
*Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Merrill Financial Advisor.

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.

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.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.