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Morasky Clay Wealth Management

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Merrill Lynch

Morasky Clay Wealth Management

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Merrill Lynch
Wealth Management

Morasky Clay Wealth Management is committed to providing you with a high quality wealth planning experience. We strive to help you achieve your goals, while making the complexities of your financial life easy to understand.

Morasky Clay Wealth Management

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About Us

With offices in Walnut Creek, California and Madison, Wisconsin, our diverse team has more than 100 years of combined industry experience. Many of us hold various designations consisting of the following:

• The CERTIFIED FINANCIAL PLANNER™ (CFP®) certification
• The Certified Private Wealth Advisor® (CPWA®) certification
• The Certified Exit Planning Advisor® (CEPA®) certification
• The Chartered Retirement Planning Counselor (CRPC®) certification
• The Certified Plan Fiduciary Advisor (CPFA®) certification
• The Accredited Asset Management Specialist (AAMS®) certification

Together, we are committed to managing your total financial situation, going beyond the single dimension of investments to integrate all of the pieces of your financial life.

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Approach

Wealth Management is a dynamic 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 and your family. Our job is to first understand what matters most to you. We will work together to create a financial approach that reflects your investment personality and is built around your life priorities. We will be here to help you make adjustments to your wealth management approach if and when necessary over time.

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Asset Management

We help you allocate your investments through low cost, tax efficient portfolios that are regularly rebalanced.

Like many endowments and institutions, we believe in the appropriate use of alternative investments such as private equity and commercial real estate to potentially enhance returns and reduce volatility. We also actively employ tax minimization strategies for you, many times in collaboration with your tax professional.
 


*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.

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Corporate Executives

The corporate executives we serve look to us to help simplify the increasing complexity of their financial lives. In addition to our wealth management process, we educate and offer advice on your suite of corporate benefits, including:

• Concentrated stock strategies
• Restricted Stock Unit (RSU) analysis
• Option award valuation
• Non-Qualified Deferred Compensation (NQDC)
• Employee Stock Purchase Plans (ESPP)
• Net Unrealized Appreciation (NUA) analysis

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Business Owners

We understand that the needs of every business owner are unique. In addition to our wealth management process, we advise and educate business owners in various ways, including:

• Working with the owner(s) to determine an intergenerational or external exit strategy
• Integrating the owner(s) equity and cash flow with a personal wealth management process
• Managing owner(s) liquidity during the sale or restructuring of the business
• Structuring corporate benefit plans
• Identifying insurance strategies for key employees
• Collaborating with Bank of America to address cash flow and lending needs

Meet Our 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.

Dennis Frantsve

Dennis Frantsve

Alternative Investments Regional Specialist

Bank of America, N.A.

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Thomas Polzin

Credit Consultant

Bank of America, N.A.

NMLS #587952

Kimberley Lewis

Kimberley Lewis

Wealth Management Banking Specialist

Merrill

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.

HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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.

      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.

      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.