Fuhrmann Hayne and Associates

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Merrill Lynch

Fuhrmann Hayne and Associates

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Merrill Lynch
Wealth Management
Using our wealth of experience and complementary skillsets to create uncommon value for clients and their families.

Fuhrmann Hayne and Associates

FH Welcome

Like the diverse and accomplished clients we serve, each member of Fuhrmann Hayne and Associates has taken a distinct professional path.

In addition to wealth management, we trace our roots to the worlds of investment, commercial and consumer banking, energy trading, and corporate finance. Working collaboratively as a team and closely with clients, we deliver thoughtful, integrated strategies that can address clients’ sophisticated financial objectives without complicating matters.

In addition to our perspectives, we believe in seeing things from a client’s point of view. That’s why we ask questions, listen carefully, and aim to understand the role each client wants us to play. We also make it our business to communicate clearly and consistently – so that clients gain a sense of certainty, in an uncertain world.

Having provided advice and guidance to generations amid periods of market volatility, our “deep bench of experienced professionals is “battle-tested.” In fact, our circle of clients has actually grown during those challenging times with referrals from clients to family, friends and colleagues – most seeking a thoughtful, risk-managed strategy for growing and preserving their wealth.

At Fuhrmann Hayne and Associates, we’re proud of the relationships we’ve built and excited about the opportunity to cultivate new ones. With ages that align nicely with generations of client families, we look forward to serving yours.

FH Philosophy

At Fuhrmann Hayne and Associates, we believe the value of an advisory team extends well beyond “dollars and cents.” Instead, it’s best measured over time, by the delivery of highly professional, proactive and purposed wealth management. To serve clients’ best interests and help them realize the full potential of their wealth, we also believe in: 

• “Keeping clients educated and updated.” Transparency is a hallmark of our team and a critical component in nurturing each client relationship. At the outset, we point out distinct aspects of clients’ financial puzzles that require examination. From liability management to legacy planning, we show clients that managing wealth demands more than keeping an eye on the markets. And when it comes to investing, we remind clients that “time in the market” is a more reliable barometer of success than “timing the market.”

• “Keeping things simple.” We are well aware of the significant demands placed on clients’ lives and the complex financial challenges they may face. Still, we ask for clients to become as involved as they can be – in understanding the strategy we craft for them, what they own, and why. We also ask clients to identify their concerns about market fluctuation (or risk, in general), so that they can stay disciplined in avoiding emotional financial decisions. Time and again, we tell clients, “The more we know about you, the more we can do for you.”

• “Being exceptional at things we can control.” We can’t control the markets, but we can help mitigate investment risk with strategies that help clients achieve realistic financial outcomes, with the minimal degree of risk required to do so. Using Merrill Lynch Wealth Management research and portfolios, we may build on both with input from the firm’s analysts – while accounting for each client’s risk tolerance, investment timeline, need for liquidity, and financial goals. We also think it’s important to help clients optimize their saving and spending habits, and other behavior that can brighten their financial picture.

 We feel privileged to help accomplished people, accomplish more. We hope you give us that opportunity.

*Any information presented in connection with BofA Merrill Lynch 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 Merrill Lynch Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Merrill Lynch 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.

 
 

FH Approach

At Fuhrmann Hayne and Associates, we strive to provide a measure of acumen, attention, and genuine familiarity that clients may not have experienced previously. Our goal? To develop an intimate understanding of how each client views his or her wealth and the world – through a defined process.

In fact, Merrill Lynch has asked us to share our approach with other groups in the firm. We’ve named it “The Green Folders” because, among other things, the detailed notes we take during each client conversation are placed in a client’s green folder, which we review at subsequent meetings. Doing so helps clients see where they’ve been and what we’ve discussed. Clients can also expect that we will:

• Help them “see around corners” to prepare for circumstances they anticipate and those they don’t.

• Suggest meeting at a client’s home or office. This can give us insights we wouldn’t otherwise have.

• Engage with both spouses, whenever possible. Learning from clients is not a “one-time” event.

Ultimately, we craft a “living strategy” for each client that evolves over time. It reflects our appreciation of what drives and concerns them – what they want for themselves, their kids and grandkids… whether they want their wealth to benefit society… and how can we address their financial challenges.

Depending on a client’s needs, we can also coordinate with their CPA and attorney – and call upon U.S. Trust specialists – to align tax-minimization and estate planning strategies. We can also offer access to Bank of America, N.A. for residential and securities-based lending.

FH Clientele

From the Brush Country to the Hill Country, throughout Texas and 28 other states nationwide, the clients of Fuhrmann Hayne and Associates demand and deserve results. They include current and former CEOs of well-known companies, executives in the energy and pharmaceutical industries, engineers, physicians, landowners, and sole proprietors.

While most are inspired to succeed and are financially astute, the clients we serve are not driven by money, but by their families. Many have reached a life transition where multiple decisions require a fresh perspective or additional insight. They may be concerned about outliving their assets, selling a business, leaving a legacy to multiple generations, enjoying a retirement lifestyle that includes a second home or travel, or creating a charitable foundation.

For clients with scattered investments, liabilities and forms of insurance – but without a cohesive wealth management strategy – helping them get organized is our priority. We also focus on educating. When clients are informed, we believe they can feel confident. We also believe that clients appreciate our sincerity and integrity. Treating clients like members of our families is a tradition we’re proud to continue.

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Carl I Fuhrmann

Barron’s America’s Top 1,200 Financial Advisors:State-by-State 2009 and 2010

Barron’s Top 1,200 Financial Advisors in Object reference not set to an instance of an object.

Meet the Team

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 Scalley

Daniel Scalley

Trust Specialist

Andrew McFarland

Andrew McFarland

Insurance Specialist

Marisa Maloy

Marisa Maloy

Wealth Management Lending Officer, NMLS #620906

Your Financial Strategy

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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

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.

Staying on Track

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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

    Monitoring changes in your life and to your goals
    Monitoring changes in your life and to your goals

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

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    Access to what you need, when you need it

    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

    • Your advisor is never more than a click away within our site or mobile apps
    • 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.

    Let’s Have a Conversation

    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.

    Why Merrill Lynch?

    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.


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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.

    Personalized advice from a dedicated financial advisor.

    Getting to know you is our primary goal.

    A comprehensive approach, built around your life’s priorities.

    Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

    Adjusting your plan as your life and the markets change.

    We will work to help you stay on track, regardless of what the markets are doing.