Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.
Life is a journey filled with twists and turns. A well-thought-out wealth management strategy can help you navigate your journey and cope with important events, from the purchase or liquidation of a business to retirement, marriage, divorce, the birth of a child or the loss of a loved one. Creating such a strategy requires discipline, perspective and detailed oversight and review.
Traditional financial management focuses on your investable assets. We look beyond these to your life goals and are committed to helping you find paths toward them. We spend time getting to know what's important to you. In addition to reviewing your liquid securities and assets, we offer retirement income planning and insurance services, as well as access to assistance with trusts and home financing through Bank of America. We can also help you examine your corporate benefits, including defined-compensation plans and restricted stock units.
Once we've helped you articulate your goals, we develop strategies to help you pursue them. We explain our recommendations carefully to help you understand and feel comfortable with what we are proposing.
We keep you abreast of Merrill Lynch's market views and routinely share investment insights with you. Your needs and goals will change over time, and when they do, we'll meet with you to reexamine your overall strategy and help you make adjustments as needed.
"We are passionate about what we do. When necessary, we will not hesitate to have difficult conversations with clients, especially if we think they will outlive their money in retirement."
Michael D. Whitehurst, CFP®, CIMA®, CRPC®, CRPS®
Wealth Management Advisor
Today's investors need more than information. They need wealth management professionals to put that information into context. We help clients pursue their goals by connecting the various pieces of their financial lives. If we can't meet a certain need ourselves, we can draw on a team of talented Merrill Lynch financial service professionals with extensive experience and diverse capabilities.
Retirement outcome planning services—When, where and how do you plan to retire? Understanding what a successful retirement looks like to you will help us suggest an investment strategy to guide you toward that vision. We use Merrill Lynch retirement planning tools to show you your potential retirement income and assets, given your current retirement savings. This projection can also help you prepare for such contingencies as higher medical costs or significant taxes on retirement withdrawals.
Corporate retirement planning services—As a business owner, you understand the critical role a well-designed retirement program can play in helping to attract and retain highly talented employees, to make the most of your business assets and to assist your employees with their retirement savings goals. In collaboration with Merrill Lynch retirement planning specialists, we can help you with the process of designing defined-contribution plans and nonqualified deferred-compensation plans, including needs assessments, investment analysis and menu selection, and employee communication and education.
Banking and lending*—Through a Wealth Management Lending Officer from Bank of America, clients have access to a broad spectrum of banking and lending services, including credit, lending and loan arrangements, debt consolidation, home financing and refinancing and security-based lending products.
Wealth transfer—You've worked hard to achieve the life you desire. Now you want to help your heirs do the same, as well as support the causes you believe in. A carefully designed estate plan can preserve the assets you wish to pass on. We can collaborate with your tax, legal and other advisors to help develop tax minimization strategies as well as wealth transfer strategies using such tools as insurance, trusts, gifts and family partnerships.
Sometimes life can take an unexpected turn that can impact your wealth and income—even your family's well-being and lifestyle. Working with Merrill Lynch wealth structuring specialists, we can develop forward-thinking contingency strategies designed to prepare you for unplanned events.
Wealth preserving strategies, involving tools like life, key-person and long-term care insurance as well as life insurance trusts, can play a critical role in virtually any financial strategy. Used effectively, these strategies can help you safeguard your assets, your income and your family's financial security. They may also perform important functions in an estate plan, by preserving assets or providing a means to pay estate taxes, as well as in a business-protection plan, by helping ensure that the business can carry on even if a crucial executive dies or becomes disabled. Long-term care insurance can be key to helping families pay for extended medical care for themselves or a loved one as they age.
"Our goal is to help you prepare for the unexpected and uncover what might prevent you from pursuing your goals by presenting 'what if' scenarios."
Cindy Whitehurst Collins, CIMA®, CRPC®
First Vice President
Wealth Management Advisor
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.
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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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
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
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Merrill Lynch Wealth Management Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
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.
We put you first, every day.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.