Tune out the noise: Wealth planning for the year ahead

Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.

Watch now

Merrill lynch

O'Connor & Associates

Wealth Management Group
Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management

At O'Connor & Associates, every member of our team is dedicated to helping people achieve their financial goals. We believe every client is entitled to the highest level of personalized service and care. With the global resources of Merrill, we’ll place you at the center of the wealth management process as we work together to design a goals-based financial approach to help you reach the goals that matter most to you.


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.

*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.

*Lending Services are through Bank of America, N.A. 

Retirement Solutions

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 tracking 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 strategies 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.

Philanthropic services

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 strategies 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 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.


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.


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.

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.

Additional Resources

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.

Paul Redden

Employee Benefits Specialist

Bank of America, N.A.

Jeremy Floberg

Wealth Strategist


Thomas Polzin

Credit Consultant

Bank of America, N.A.

NMLS #587952

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.


    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.


      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.

      Anthem video thumb.jpg 
      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.