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

Watch now

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

Watch now

Merrill Lynch

Hayne Moon & Associates

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Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.

Welcome

Like the diverse and accomplished clients we serve, each member of Hayne Moon 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 Hayne Moon 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.

Philosophy

At Hayne Moon 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 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 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 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.

Approach

At Hayne Moon & 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 Wealth Management 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 Bank of America Private Bank 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.

Clientele

From the Brush Country to the Hill Country, throughout Texas and 28 other states nationwide, the clients of Hayne Moon & 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.

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

Wealth Strategies Advisor

Bank of America, N.A.

Carlos A. Rivera

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #754165

Mary Elizabeth Murphy

Retirement Specialist

Bank of America, N.A.

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

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      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.