Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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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.
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.
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.
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.
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Barron’s America’s Top 1,200 Financial Advisors:State-by-State 2009 and 2010
Barron’s Top 1,200 Financial Advisors in
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.
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.
Wealth Management Lending Officer, NMLS #620906
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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.
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*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.