Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Profile

Results and relationships matter to Hugh – and to the accomplished clientele he serves in more than 20 states. An enthusiastic and experienced advisor, he assists many clients who’ve become his good friends – entrepreneurs and established business owners (and their employees with benefit plans), C-level executives in the tech industry, physicians and generations of their families.

While diverse in their talents and aspirations, a majority of Hugh’s clients have lives and money in motion – founding, buying, growing and selling their enterprises, acquiring and exercising stock options, sending children to college, or planning a fulfilling retirement lifestyle.

“As a husband and father of two teenagers – and a former business owner – I can appreciate what clients are facing personally and financially. That’s why I try to work with both spouses, understand a family’s dynamics, educate parents (and kids), and address any issues. I think clients recognize that if I don’t have the right answer, I’ll find it,” Hugh says. “I’m devoted to being a financial advisor and family advisor.”

When it comes to investments, Hugh takes direction from the firm’s Chief Investment Office to formulate client portfolios that span multiple asset classes – typically, equities, bonds, and alternative investments* (real estate, commodities, hedge funds, private equity and other non-correlated assets).

In addition to customizing portfolios for each client – based on their risk tolerance, investment timeline, liquidity needs and objectives – Hugh tailors his frequency and mode of contact to their preferences. He is also happy to meet with clients at their homes, businesses, or his office.

To align clients’ tax-minimization and estate planning strategies, Hugh looks to coordinate with their CPAs and attorneys, or with the firm’s trust professionals. Hugh also provides clients with access to Bank of America for business, residential, securities-based and other lending needs.

Before joining Merrill in 2022, Hugh spent 12 years at Northwestern Mutual as an advisor, director of training and technology, and the COO for a private wealth team. Previous to that, he spent seven years in landscape design and construction. Born in Mississippi, Hugh followed in his father’s footsteps at Northwestern Mutual – working beside him for several years. A retired U.S. Air Force colonel, Hugh’s father taught him the value of embracing clients’ goals and leveraging experts in every field, so that clients can receive the best information at all times.

Hugh holds a bachelor’s degree in Landscape Architecture from Washington State University and a place in his heart for the outdoors. He and his wife (and high school sweetheart), Jolene, and their two sons make their home in Liberty Lake, Washington (on the border of Idaho) where they enjoy good times around the campfire, as well as hiking and boating. Hugh is also an avid fisherman, hunter, golfer and volunteer.

*The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of BofA Corp. This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available.
*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.
*NMLS#2435756

For years, Hugh and Jolene have generously given their time, talents and dollars to their community and to organizations with a mission to serve others. Hugh served eight years on the Liberty Lake City Council and has volunteered with the Planned Giving Advisory Board of SNAP (helping develop processes that increase planned gifts from donors) and the Young Professionals of the American Cancer Society. He is a current board member for HUB Sports Center (a local non-profit organization). Jolene has long volunteered at Camp Journey as a camp counselor and advisor for children diagnosed with cancer. She is also a board member for the Blood Center Foundation of the Inland Northwest, supporting Vitalant Blood Center.

  • EDUCATION

    Washington State University

Professional Staff

Supported by the global resources of Merrill, my 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

Approach

Every relationship begins 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, I start by listening to learn more about you and your family.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

I 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. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.

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.

Philosophy

I 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. Calculating how to manage 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? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Welcome

My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you’d like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.

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 I can help you create a financial approach that reflects your personality. Only then can I 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.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.