Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Located in the Charleston, WV office. O'Connor & Associates is a dynamic financial advisory team, providing customized wealth management services to clients, their businesses and their families across the country. The strong relationships we’ve formed extend across generations and are based on integrity, personalized service, responsiveness and transparency. Our goals-based wealth management process begins by getting to know you, so we can get a clear understanding of you and your family. Whether your objectives involve retirement income, wealth transfer or risk management, we utilize a disciplined investment approach to create customized strategies designed to help you pursue your dreams. Our primary objective is to become a lifetime resource and essential resource to those who entrust us with their financial well-being.
O'Connor & Associates works with individuals and families to incorporate retirement strategies, life insurance analysis, residential lending, alternative investments, and estate preparation in conjunction with the clients' CPAs and attorneys.
For businesses, our team provides services for cash management, professional practice lending, retirement plan design and servicing, and business succession planning.
We’ll bring all the wisdom and resources of our enterprise to bear in helping you pursue your retirement plan goals.
A Relentless Pursuit of Financial Wellness
All of our efforts revolve around helping your employees pursue better financial outcomes. Isn’t that why you offer a retirement plan in the first place? We believe that no other provider can match the resources we have nationwide to deliver plan services and financial wellness solutions to your company.
Fiduciary Advisory Services
We recognize the responsibility you have as a plan fiduciary helping participants invest in retirement and feel secure with their financial futures. The job of a plan fiduciary can be demanding, but you don’t have to manage it on your own. Through our Fiduciary Advisory Services we can help you construct and maintain an investment menu and act as an ERISA fiduciary for the investment advice provided.
A Legacy of Service Excellence
We dedicate all the resources and thought leadership from our enterprise to bear in helping you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier.
A Team That Shares Your Priorities
When it comes to your company’s benefits program, you want a provider team that shares your priorities and attention to detail. You and your employees will have a team of deeply experienced and passionate advocates for service excellence and financial wellness on your side.
We’d love to work with you
No matter what your priorities are, we offer advice to help you turn your ambition into action. We draw on many experienced investment professionals at Merrill to deliver insights that help you maintain a long-term focus while taking advantage of short-term opportunities. Through the Merrill Investment Advisory Program we offer custom strategies that deliver an appropriate balance of risk and reward, comprised of investment fund and manager offerings that have undergone a thorough evaluation process before they can be included in your portfolios. And all our actions are grounded in a deep understanding of what matters most to you and complemented with monitoring and regular review. We believe this approach will give you the power to help you meet your goals.
Business financing, cash and treasury management
With the capabilities of Merrill and Bank of America, you have access to a comprehensive suite of resources. Bank of America can help you make the most of your business cash. As your business grows, you may need to invest additional funds to increase working capital or finance expanded operations. Like many business owners, your company may be your most valuable asset. We believe you shouldn’t have to use your personal assets as collateral for business loans. That’s why we offer access to a range of options.
Retirement and benefit plans
(see Retirement Plan tab on left)
Business protection, succession planning and wealth transfer strategies
At Merrill, we help protect business owners against the unexpected and transfer personal wealth out of the business by implementing strategies such as:
• Key person insurance
• Buy-sell agreement funding
• Selling the business outright
• Transferring ownership to children or heirs
• Selling the company to employees
Our goal is to minimize estate taxes while preserving the value of your business during any transfer to the next generation or sale to a third party. You have access to integrated financial solutions from across our enterprise through your Merrill advisors at O’Connor & Associates.
Health Care Practices
The financing services provided by Bank of America Practice Solutions Group can help you streamline operations while pursuing your most important initiatives —from new startups and acquisitions to expansions, relocations, sales and equipment financing. Contact us to learn more about Bank of America lending options for dentists, veterinarians and doctors.
Not-for-Profits, Foundations and Endowments
For these entities, O’Connor & Associates draw upon the extensive resources and expertise at Bank of America and the Nonprofit Consulting Services Team at Bank of America Private Bank.
Bank of America’s Institutional Investments & Philanthropic Solutions group delivers deep experience and a comprehensive suite of investment and management services. These include strategic advice and planning to help you pursue your mission more effectively, as well as assistance in simplifying your administrative burden.
Institutional asset management
Bank of America and Merrill deliver comprehensive wealth management solutions to individual and institutional clients worldwide. Services include:
• Customized asset allocation
• Portfolio construction and rebalancing
• Investment manager evaluation, selection and oversight
• Evaluation, management and liquidation of donated assets
We believe the best financial strategy 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 strategies designed to help address your financial needs.
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 financial strategies 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.
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. By gaining a deeper understanding of how you think and feel about investing, through this assessment we can customize financial strategies together. 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.
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 strategy 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 give you a sense of the full assessment and help us provide you with additional insights and resources.
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.
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 investment management. Our ability to provide access to the investment insights of Merrill, as well as banking, trust and fiduciary services from 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 strategies for transferring wealth to the younger generation.
We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.
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.
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Bank of America, N.A.
UHNW Insurance Specialist
Wealth Management Lending Officer
Bank of America, N.A.
Our experts examine the forces that are changing the world – and how they may impact your life
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.
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 you stay on track to 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 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
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 Wealth Management 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.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, 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.