Investment Philosphy

When you welcome our dedicated team into your life, you can look forward to a strong advisor bond and a nurturing environment. Your unique needs and those of your family members, are at the center of your investment approach. For this reason, we believe in having frequent, casual conversations together to learn about and appreciate your family dynamics, aspirations and the concerns you may have for your future well-being. All that takes place before we discuss investments (or anything with a dollar sign in front of it).

For your strategy, we follow a disciplined, rules-based approach that can help you pursue your goals and avoid emotional and untimely investment decisions. We aim to adhere to our convictions through a wide range of economic and market cycles, unexpected geo-political crises and when significant life events occur. To that end, we may consider a wide range of investment classes, including alternative investments – non-correlated assets such as hedge funds, private equity and real assets – with the goal of reducing volatility and further strengthening your resolve to follow your strategy, ignoring the “investment noise” around you. While our strategies may be complex, our mission is to simplify your financial life and help you prepare for what’s ahead.



*Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

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. 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.

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.