The Borza Group

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Merrill Lynch

The Borza Group

Wealth Management

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Merrill Lynch
Wealth Management
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.

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The Borza Group

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Putting our wealth of experience to work for you

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.

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Combining our knowledge and commitment on your behalf

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.

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Listening, learning, and making your goals our goals

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. 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 beliefs can help you understand what to expect
  • Trust, the foundation of a relationship, is earned by integrity and character. 
  • We live to serve others.
  • Live life with passion and enthusiasm!
  • Investing requires discipline and patience.
  • A holistic approach can help clients see their wealth more clearly.
  • Being proactive is essential to being professional.
  • Educating clients can help them make important financial decisions.
  • Sitting with a client and spouse is time well spent. Getting to know their children and elderly parents may prove equally important.
  • By serving people, we gain wisdom in servicing their portfolios.
*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 equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. 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.

 

Implementing a disciplined and dynamic investment approach

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.

Our goal is to add value
Some advisors tend to buy and hold securities, regardless of economic and market conditions. We firmly believe in Secular Market Theory and the need to periodically increase and decrease market exposure. For this reason, we adjust exposure to portfolio managers with a mandate to stay invested and stay the course. We aim to bring you added value, through active portfolio management, strategic asset allocation and other risk management techniques.

Diversification. Discipline. Active management. These core tenets, among others, represent what we believe is a “common sense” investment approach that may help you preserve, grow and pass along wealth, in accordance with your most cherished goals.

Serving people we admire

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.

  • Beyond net worth, clients care about the meaning of their wealth. It is a privilege to serve people that wish to help others—and make their imprint on the world.Michael J. Borza, Senior Vice President, Wealth Management Advisor, Portfolio Manager

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.

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
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
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.


Periodic 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

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

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      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 strategy as your life and the markets change.

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