Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
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At The AHM Wealth Management Group, we serve clients with significant wealth and expectations.
As a result, we only assist a limited circle of individuals and families, business owners and employees, as well as non-profits whose causes we admire and often support. By continuing our tradition of delivering intelligence and integrity, we can continue to provide clients with education and enlightened perspectives.
We are well aware that clients can choose from among thousands of advisors. We are also aware that our own diligence and performance can help clients focus more squarely on their families and enterprises. We have families, too. Our job – our oath, in fact – is to do everything possible to help clients enjoy the people and passions in their lives.
To serve those who demand an uncompromised measure of acumen and attention, we concentrate collectively on each client’s most significant priorities and goals for family, business and philanthropy. We believe it’s critical for a client's estate to be structured appropriately – to avoid, where possible, unnecessary expenses, risks, taxes and legal burdens during life or after death. At each client’s request, we can work with their legal and tax advisors to coordinate such strategies.
With team members’ ages that align nicely with those of clients, we’ve nurtured enduring relationships in which mutual interests and experiences make conversations comfortable, rather than a formality. And because clients’ schedules fit no calendar, our frequency and mode of communication is flexible – phone, email, WebEx, or whatever a client prefers.
The referrals we receive tell us we’re proficient in assisting clients whose complex financial lives demand a sophisticated measure of complex wealth management. As a high caliber team that operates on many cylinders, we feel privileged to address the needs and nuances of ambitious people.
At The AHM Wealth Management Group, we endeavor to help you, our client, think clearly and deliberately – so that your myriad financial decisions are not triggered by emotion. Instead, they’re based on the mutually agreed-upon financial foundation we’ve put in place.
When crafting and implementing your financial strategy, we believe “it’s about time.” Whether you’re in the accumulation or distribution phase of your financial life, there’s no better time than now – to think strategically, purposely and collaboratively about desired outcomes for you and future generations. And because an initial discussion or two never suffices, we’ve developed what we call “the lifetime conversation” – an approach we designed to help create, implement, and adjust your plan as changes in your circumstances inevitably occur.
As a highly-accredited team, we have ten industry credentials between us – including the CPWA® designation from the Investments & Wealth Institute™ at the Booth School of Business, University of Chicago, the Chartered Financial Analyst® (CFA) designation from the CFA Institute, and the Certified Investment Manager Analyst® (CIMA®) designation sponsored by the Investments & Wealth Institute™ at the Wharton School of the University of Pennsylvania. In addition, three of our members hold the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification from the Certified Financial Planner Board of Standards, Inc.
With this rigorous training, our disciplined process allows us to fully appreciate the situations and motivations of an impressive clientele in 42 states. Among them are owners of closely held businesses, highly successful physicians, attorneys and executives, trustees (whose trusts we also help manage), and generations of clients’ families.
Given the opportunity to serve you, we’ll build a framework with a customized financial model that estimates in detail your lifetime capital needs and a test for wealth surplus. Then we’ll perform “scenario testing” to help calculate a “target return” based on your comfort with risk. From those results, we’ll craft and present an investment strategy that accounts for your goals, liquidity requirements, timeline, and risk tolerance. Ultimately, we will deliver enlightened investment, retirement, education, legacy planning and tax minimization strategies. Our mission? To help you monetize years of hard work and success.
Our investment philosophy is rare among advisors. Rather than use model portfolios managed by outside parties for all types of investors, we take a hands-on role in managing your portfolio. We also don’t believe in following computer-generated price and volume trends or relying on back-test computer algorithms. For active management, we take a bottom-up approach with a focus on fundamental analysis. We prefer investing in assets with strong balance sheets, free cash flow, and sustainable earnings power. We also favor a flexible approach to asset allocation versus a fixed target without regard to valuations.
Being asset agnostic, we utilize a blend of individual equities, pooled investments including mutual funds, along with separately managed accounts with managers that pass our rigorous due diligence and that of Merrill Lynch Wealth Management. Finally, having cash is good – allowing clients to invest in the right opportunity, not choose between them.
At The AHM Wealth Management Group, we’re passionate about helping accomplished business owners, accomplish more.
The vast majority looks out for their enterprises and families – seeking to minimize tax consequences, defer income (for themselves and their employees), retain key employees, and select the ideal building blocks for a group benefit plan. A typical plan sponsor also seeks greater cost efficiency, more investment choices, improved employee education, and more reliable guidance on government regulations than they’ve received previously.
It doesn’t surprise us that the area in which we’ve received dozens of referrals in recent years is helping business owners and plan administrators navigate the selection and implementation of group retirement plans.
To reflect our devotion to educating plan sponsors and helping them uphold their fiduciary responsibilities, our founder and senior advisor, Aashish Matani is one of a small handful of Merrill advisors to hold the title of Retirement Benefits Consultant (RBC) in addition to his other impressive industry credentials.
Many plans we review were designed years ago, perhaps, at a start-up phase. Clients often pay more than necessary, for fewer benefits. Upon examination – and thanks to our firm’s powerful platform – we can often help reduce costs while delivering a high-caliber client experience for principals and employees. In addition to our knowledge and skills, we will provide the resources and thought leadership of Bank of America Corporation and its affiliates. This comprehensive approach can help you offer a strong, healthy and fully compliant program that runs smoothly, engages employees, and simplifies your role.
Through Merrill Fiduciary Plan Services1, we will accept ERISA 3(21) fiduciary responsibility for investment advice and recommendations made in the best interest of your plan, Investment Policy Statement (IPS)*, and investment menu design based on your plan goals and participant needs. We can also provide comprehensive due diligence processes to identify appropriate investment opportunities, as well as proactive delivery – online or through the team – of in-depth investment performance reporting each quarter.
In addition to coordinating with you, we will suggest enrollment meetings with your employees and one-to-one meetings with them, thereafter. Our firm’s resources and expertise are designed to help meet your employees’ financial needs in ways that make sense for your company — strategically, operationally and financially.
At The AHM Wealth Management Group, we are proud of what we do for non-profits – and especially proud, of what they do. Serving these organizations and their board members is a particular skillset we’ve developed that brings us deep personal fulfillment.
With a “boutique-like” structure supported by the vast resources of Merrill Lynch Wealth Management, we are able to provide a premium-level experience for foundations, endowments and other non-profit organizations. We are proactive, professional and here to help.
Each of our team members is well versed in the special challenges faced by entities like yours and understands the responsibilities required to manage significant assets, while adhering to your organizations’ mandate. In serving you, we will work to appreciate the importance of your work and your desire to uphold your organization’s mission.
By serving as an extension of your investment committee and providing critical support in fulfilling fiduciary responsibilities, we can also help you, our client, develop an adaptable portfolio designed to meet the objectives of your Investment Policy Statement (which we will review and provide access to services to help you develop).
To help ensure that your portfolio’s performance meets the objectives we’ve agreed upon, we track the progress of fund assets, relative to risk-adjusted goals. We can also meet with your board members to interpret manager performance and make changes where necessary.
Our relationship with you and your organization is ongoing, and we are diligent in reviewing and rebalancing portfolios to help ensure that they stay consistent with your long-term goals. We care about your satisfaction and the success of your organization.
The AHM Wealth Management Group, when appropriate, works with other advisors and teams for specific clients' situations.
These three individuals are:
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Barron’s Top 1,200 Financial Advisors in 2020
Forbes “Best-in-State Wealth Advisors” 2018-2020
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.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of 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.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
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 approach, our goal is to help you stay on track to achieve what's most important to you.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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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.
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.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.