With Merrill, the bull always has your back

With Merrill, the bull always has your back

At Merrill, we believe the future is bullish, even in the most unpredictable of markets, because we’ve been here before.
To help you navigate the uncertainty and charge forward toward your goals, we invite you to check out our latest investment insights.

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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.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Mission

We listen carefully to what you tell us, in order to understand your objectives, vision and long-term priorities. We approach this through providing access to the vast investing resources of Merrill Lynch Wealth Management and the banking convenience of Bank of America. An integral part of our service is our providing clients with access to a Wealth Management Lending Officer. The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.

Who We Are
The Foreman Rial Group offers financial advice and guidance to some of the country's most successful and prominent families. These are clients who can take their wealth anywhere, yet every day they rely on us, for insight and strategies to help them manage their net worth. We're ready with ideas on monetizing business interests and equity compensation, investment guidance on various portfolios, strategies for retirement, and the latest techniques to help you transfer your wealth smartly.

Our Qualifications
We have decades of experience working with a select but diverse group of affluent families. However your finances are arranged, chances are we've helped clients in similar situations. You'll find our team has:

  • Advanced financial training and certifications
  • A deep understanding of high-net-worth portfolios
  • Access to leading financial technology, tools and resources

We seek to keep our skills sharp through additional training and seminars on new financial systems, regulations, strategies and digital delivery methods.

Who We Serve
The Forman Rial Group works with a select group of clients largely comprised of prominent business owners, entrepreneurs, private equity investors and corporate executives.  The affluent client who deals with complex financial situations deserve high-touch service. We strive to provide a level of client service that exceed expectations.

Financial guidance for a new generation of business leaders
Many of the clients we work with started, spun-off or acquired other companies either to complement their existing business or to enter new industries. They are also frequent investors in other businesses, either through direct placement or through private equity and/or venture capital funds.

Our team can offer advice and guidance on equity investments and compensation, as well as map out the current landscape of your holdings. We can also develop strategies for allocating your various income streams to fund your expenses, portfolios and other priorities.

A diverse, wide-ranging perspective on family wealth
Our team works with clients from a wide range of cultural backgrounds. Many clients are second- and third-generation family members who have either started or expanded businesses in the United States. We offer a highly experienced financial worldview based on:

  • Financial stability—Merrill generally acts as custodian for assets about which we advise and guide you or help you manage. These assets are held in the United States unless you instruct otherwise. You can expect that your assets will be available to you when you need them.
  • Maximum privacy—Our team adheres to applicable American privacy laws and regulations, as well as the stringent privacy policies of the firm. Only with your permission will we discuss your accounts with your family members or other trusted advisors, such as your accountant or attorney.
*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

Sophisticated advice and guidance for complex needs

Clients usually come to us for help with existing multilayered portfolios and complex compensation or revenue streams. Our team can help you understand how you can segment your assets, monetize concentrated or restricted stock positions, and diversify lump-sum distributions.

Diversifying concentrated wealth

Business leaders often have significant amounts of their wealth invested in control or restricted stock. Because of the large number of corporate and entrepreneurial clients we serve, our team has extensive experience helping clients manage these assets. We can give you knowledgeable advice and guidance on:

  • 10b5-1 trading plans and Rule 144 trading
  • Asset allocation and hedging strategies
  • Liquidity and cash flow management
  • Tax minimization and charitable giving strategies

Managing lump-sum distributions

Through employer-sponsored retirement plans, deferred equity compensation or private equity distributions, clients can receive large blocks of stock acquired at a low-cost basis. We offer to help clients manage these holdings through:

  • Tax minimizing strategies for employer stock distributions
  • Rollovers* into IRAs or other retirement accounts, or trusts through Bank of America
  • Wealth transfer, gifting or other philanthropic strategies


Guidance for special liquidity events

When clients receive significant cash payments from the sale of a business or other assets, investment payouts or inheritance, our team helps them answer the question, "What now?" We can illustrate how large cash positions can be invested to support your overall wealth structure and to pursue your goals. Prior to divesture, our team can offer strategies to help minimize the impact of taxes on any proceeds.

*You have choices about what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs, and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investments and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information, please contact your Merrill Financial Advisor.

Capabilities

Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Philosophy

We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill 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 approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

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 approach.

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.

      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.