Capabilities

Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus on Family

We work with clients to improve their families financial security. Family is a quintessential piece of our wealth management process. Our team strives to help clients meet not only their personal financial goals, but the ambitions for their families as well.

Areas of Consideration:

• Legacy planning, whether structuring accounts, establishing trusts, or other methods. We do our best to accomodate your particular needs.
• Protecting children with disabilities, structuring wealth to benefit your children in the long-run
• Planning for college, it may be your children, grand-children, or your own desire to further your education, we work with you to determine what financial strategies may be best to support it. Whether the strategy may include 529 Plans or something different entirely.
• Long-Term-Care Health Insurance, with rising health costs it can be challenging to ensure you and your family are protected from rising medical costs
• Charitable Giving, many affluent families have charitable desires for their community or broader. We work with individuals and families to utilize advantageous strategies when it comes to their most altruistic goals.

We put the utmost emphasis in supporting our clients meet their holistic goals.

Meeting the Needs of Professionals

Physicians, attorneys, corporate executives, certified public accountants, engineers, and other professionals lead exceedingly busy lives, often focused on the sensitive needs of their clients, patients, and employees. We recognize you are typically time-constrained, balancing numerous professional as well as personal goals. Thus, the urgency of managing your personal day-to-day financial needs as well as your long-term goals may at times seem insignificant in comparison to your professional obligations.

Professionals' needs are unique and may include any of the following:

• Minimizing your income tax liability by developing strategies in collaboration with your tax professionals
• Analyzing and structuring your cash-flow and financing. Offering access to working capital through Bank of America that helps you meet day-to-day expenses while providing for employees' pay, benefits, and other costs.
• Gaining easier access to cash so you can live your desired lifestyle, even though your cash flow may be uneven throughout the year
• Establishing a retirement benefits plan to help secure your employees’ and your own future
• Access to lending services through our Wealth Management Lending Officer, who can offer an expansive array of home financing,credit, and lending services, including securities-based lending. In addition, we help you leverage Bank of America Merrill's commercial bank to offer commercial property lending, lines of credit and cash management
• Reducing the risk of a concentrated stock position that ties you to your company’s performance
• Navigating and complying with SEC rules, your company’s trading restrictions, and equity reporting requirements
• Developing a long-term financial strategy while addressing day-to-day portfolio management as your career advances and your goals change
• Working with you in a time-sensitive manner, understanding that your time may be limited and your career is a priority
• Transferring wealth and securing your family’s legacy, the establishment of family foundations, donor-advised and other charitable trusts

*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.

Addressing the Concerns of Business Owners

We realize that business ownership can raise a myriad of emotional and financial issues. Our goal is to enable you to stay focused on managing your business while we assist in organizing and growing your personal wealth.

The needs of every business owner are unique, and may include any of the following:

• Expanding your business with alternative strategies to using your personal assets to build and expand operations. We offer a wide range of credit and lending solutions that can improve the borrowing power and flexibility of your business
• Focus on efficiency by analyzing and structuring your cash-flow, financing, and access to working capital through Bank of America, that helps you meet your day-to-day expenses while providing for employees' pay, benefits and costs
• Safeguarding your business and your family’s future with business continuation, wealth transfer, and succession strategies. We help you and your employees manage the risks you face with insurance coverage, estate planning services, as well as personalized wealth management strategies
• Navigating the sale of a businesses, merger, acquisition, or IPO.

• A Needs Assessment to evaluate your plan’s effectiveness, compared with others in the industry. For new plans, we evaluate your business requirements to determine the appropriate retirement plan program
• Plan Design and Implementation including construction and review of investment menus and education for individual plan participants
• Plan Investment Tracking using a disciplined process through which we can make fund recommendations, based on risk and performance
• Employee Communication and Education including enrollment meetings and ongoing seminars to educate employees about utilizing the plan, including choosing distribution elections