Somers Jones Group

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Merrill Lynch

Somers Jones Group

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Understanding your life priorities is an important part of how we work with the clients we serve. It’s not just about markets and returns, it’s about what matters most to you. We welcome the opportunity to show you how we can work together to create financial strategies designed around you, your goals and your aspirations.

Somers Jones Group

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Services dedicated to your financial life

If you are like most affluent families, you want your resources to do more, to take you farther, to enhance your life today and lay a foundation for the generations that follow. Advancing these desires calls for insight, skill and resources that go beyond merely investing.

Understanding your unique needs and opportunities

We offer your family advice and guidance from an experienced team that understands the nature of significant wealth. Whatever your needs and aspirations—across the spectrum of your financial life—we can help you address them with services and strategies tailored to your situation.

Relationships built on service, candor and shared vision

As a client, you can rely on our candor and discretion, knowing that you can freely discuss any professional or family issue affecting your finances. We also work to embrace your priorities, increase efficiency and help you pursue your ideal future.

Our goal is to build long-standing relationships, be there when you need us and help you to be ready for what comes next.

A team that high-net-worth families can rely on to understand them and help manage their complex wealth needs

Managing significant wealth demands the utmost skill and attention. Our team has the experience to help you pursue your financial goals, and we take the time to understand what you value and need most.

Philosophy

It’s important to plan for your financial future, which means getting more than investment advice. We believe you may find value in a one-on-one relationship with someone dedicated to knowing who you are and what you want to accomplish. Someone who knows your kids’ names, how hard you worked to get where you are, how you define a successful life and how you view investing. Our commitment is centered in helping clients achieve their goals by making their needs and wants a priority. Our advice and strategies are guided by what’s important to you, and our success is defined by your satisfaction over time.

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Strategies tailored to your life and goals

Life and finances evolve differently for families with substantial wealth. The strategies that helped you accumulate your assets may not be the best ones to help you preserve and potentially grow them. We focus on helping you develop an overarching structure that encompasses your present financial outlook and targets your objectives as you move through life.

Understanding you financial personality

Every client has a financial personality. Often it is formed at an early age and further shaped by financial experiences throughout life. Our team believes that, to be truly effective, wealth management should be rooted in an understanding of your philosophy about money and how you earn and use it.

A different perspective of goals-based wealth management

Our team can work closely with you to identify and quantify the various objectives you may have for your assets. We can look for pathways that match your financial personality, individual circumstances and tolerance for risk. Our financial advisors can offer advice and guidance on.

Financial management: Helping you manage your income while controlling your expenses
Investments: Targeted asset allocation and portfolio management strategies
Retirement: Strategies for retirement income, business succession and monetizing equity compensation
Wealth transfer: We can help you create strategies that use gifting, trusts, life insurance, family corporations and partnerships to transfer assets in your lifetime and beyond.

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Approach

Wealth Management is a dynamic, ongoing process. As we focus on you today and help you identify your goals for tomorrow, we can strive to work together throughout life’s ups, downs, triumphs, and transitions. Helping you pursue your goals starts with getting to know you. Our job is to first understand what matters most to you. We will work together to create a financial strategy that reflects your investment personality and is built around your life priorities. We will be here to help you make adjustments to your unique wealth management strategies if and when necessary over time.

Understanding your goals and priorities

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

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

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Investing to pursue increased performance while seeking to minimize risk

Exceptionally affluent clients tend to have key advantages relative to other investors: large pools of capital, above-average income and the ability to make exceptionally long-term investments. The Somers Jones Group is skilled in developing investment portfolios and asset classes designed to evolve over generations.

Analyzing the portfolio

We look at each holding in your present portfolio to understand its purpose and utility toward your various objectives. Does the asset still have the return or risk-mitigation characteristics it once did? Is the asset appropriate for your life stage, as opposed to the time you originally acquired it? Our team will also work to understand how much liquidity you have and how much you need, given your expected income needs today, tomorrow and in retirement.

Modeling and selecting assets

Our team seeks asset classes we believe are matched to your financial outlook, risk tolerance, time horizon, and objectives. We can model each asset class to understand its risks, contribution and impact on the portfolio structure, as well as potential performance. This disciplined analysis allows us to suggest customized allocations targeting your short, intermediate and long-term goals.

Monitoring your investment strategy

“How closely does your present investment activity align with market activity, risk, and your objectives?” That is a questions we often ask since market conditions, portfolio activity and shifting priorities can, and often do, alter your investment thinking over time. Our team takes a proactive approach by meeting with you periodically to review your portfolio, progress and current market conditions.

  • When clients come to us, they find a culture of service and commitment. We embrace their needs, seek to understand their goals, and help them chart a smart way forward.James S. Somers, Senior Vice President, Senior Financial Advisor

Meet the Team

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.

James S Somers

James S Somers

Senior Financial Advisor

757.631.5512
Travis N Jones

Travis N Jones

Wealth Management Advisor

757.631.5514
Alisa  Patton

Alisa Patton

Financial Advisor

757.631.5537
Patrick  Kelley

Patrick Kelley

Financial Advisor

757.631.5553
Tiffany J Serres-Robinson

Tiffany J Serres-Robinson

Client Associate

757.631.5531

Your Financial 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.

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

Regular reviews to help you stay on track
Regular 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
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.

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*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.

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 financial 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 financial advisor.





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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 Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

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