Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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Your achievements have brought financial rewards. While your career may progress in steady fashion, life rarely follows suit. Invariably, new situations present compelling opportunities and challenging considerations–some complex, some urgent, some both.
At The Borza Group, we are devoted to client families and disciplined in serving them. For more than 25 years, people we admire for their values have turned to us for seasoned perspectives—and shared their own. Many of our strongest relationships with clients extend to their friends and multiple generations. Yes, our team has evolved to embrace a global economy and technological progress, but our mission has remained the same: to serve each client—with our personal touch, sensitive approach and goals-based wealth management strategies
What characterizes our team? We take a holistic approach, invest thoughtfully, pay attention to changing data, and care about clients as individuals. These four pillars support our dynamic wealth management process. We believe that clients see wealth as a tool, not an objective. Like us, many clients place tremendous value on the “good” that wealth can represent. The foundation of what we do is to fully understand and appreciate a client’s goals and dreams and work with them to pursue those cherished aspirations through insightful management of their financial resources.
Our concept of “team” extends to how we prefer to work with clients, their advisors in related disciplines (estate planning lawyers and CPAs), and specialists at Merrill Lynch.
We recognize that there is nothing typical about you. That is why we make it our business to craft customized approaches, offer timely recommendations, and provide friendly, personalized attention. Everything we do is designed to enhance your experience and your overall wealth, while inspiring you to fulfill your aspirations and passions in life.
Experience tells us that getting to know you is as critical as understanding your finances. To explore the realities of your life, we ask questions. To uncover opportunities that may prove beneficial, we summon our team’s collective knowledge and reach for the global research and resources of Merrill Lynch. To help our efforts reflect our service commitment, we can coordinate with your tax and legal advisors. Working toward your definition of desirable results, we’re proud to say that we “aspire to inspire.”
Whether you wish to excel as a parent, spouse, executive, business owner, or philanthropist, we strive to help you build a solid financial foundation on which you can fulfill your ambitions. Before we evaluate your investments, we account for your family dynamics, experience with investing, risk tolerance, liquidity needs, time horizon, expectations for future earnings and other factors. All may contribute to how we can assist you in creating wealth, preserving it, and passing it along to future generations.
Our long tenure gives us perspective. With that perspective comes advice and guidance that’s anchored in our integrity and passion to deliver excellence to you, the client. Rather than match you to investments, we suggest investments that align with our appreciation of the experiences you’ve had, the challenges you face and the future you envision.
Our philosophy is conservative. Yet rather than steer clear of timely opportunities, we seek to mitigate risk through manager selection, in-depth analysis, customized portfolio construction, and diversification across asset classes, borders and sectors.
Michael Borza is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Portfolio Manager may manage his strategies on a discretionary basis.
Rather than define clients by their financial assets, we see them as accomplished, like-minded people who lead extraordinary lives–in Virginia Beach, throughout the state, and across the country. We believe this directly correlates with the fact that many client relationships have exceeded 20 years and span generations, with most clients having been referred by colleagues, friends and family.
Among those we serve today are active and retired military and defense leadership, logistics and technology executives, private business owners, physicians, and other medical professionals. Beyond managing their investments, we can help them prepare for retirement, liquidity events and exercising stock options. We also develop strategies for transferring wealth and business succession, with an eye toward tax minimization strategies. Through U.S. Trust, we can access specialists for clients’ philanthropic endeavors.
We hope that you, too, would find value in having an experienced team working with you. If so, we are devoted to cultivating a lifelong relationship with you, one that allows us to address your complex financial challenges, as they arise.
Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch 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.
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 give you peace of mind* that you're on track to help 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 destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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. 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 financial 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.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, 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.