Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

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MKBH and Associates

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Merrill Lynch
Wealth Management

At MKBH and 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.
We strive to help you achieve and maintain the life you desire.

We can assist you in making key financial choices, differentiating between needs and wants, then creating investment strategies intended to help you enjoy your lifestyle and preserve your wealth.

We work closely with you to determine how much income you'll need to sustain your current lifestyle, and what trade-offs you could live with, if you had to. This process will help establish the portfolio size and composition you need to help maintain and grow your assets. The portfolios and investment strategies we help you develop are carefully aligned with your goals, time horizon, liquidity needs and risk tolerance.

As we help create your customized portfolio, we take great pride in drawing on the capabilities of Merrill to help address the different components of your complex financial life.

We also believe strongly in openness—we will keep you informed about the investments you own, the reasons you own them and what fees you are paying.

Understanding your objectives. Helping you pursue them.

We recommend that before you invest, you give us the opportunity to gain a thorough understanding of your unique situation, values, goals and objectives. Our conversations with you are geared toward identifying your "core," the portion of your portfolio intended to minimize risk.

In our view, the primary aim of any long-term investment strategy should be to limit the risk of your financial core—so that you have the ability to maintain your desired lifestyle. Once your core assets are in place, we seek to invest the balance of your portfolio in securities that offer growth potential.

Of course, growing your assets cannot be done without employing strategies designed to preserve those assets. While no investment is risk-free, we utilize a risk-based approach, recommending and selecting investments we believe offer favorable long-term prospects.

A focus on clients' interests.

We emphasize absolute candor in client relationships. When addressing your requirements, risk tolerance and investment goals, we neither minimize nor overstate problems, nor do we shy away from helping you make difficult choices.

We are committed to providing independent advice and guidance, making sure you understand what investments you own — and the cost of owning them. We want you to feel we can help steer your investments appropriately and prudently through market environments both smooth and stormy.

We are also dedicated to providing you with personalized attention. Regardless of the size of a given relationship, we make a point of staying in touch with clients, encouraging them to reach out to us with questions and concerns.

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Maintaining your lifestyle is our ongoing discipline

We help you understand the investments you own, why you own them, and the potential benefits and risks they may provide to you, your family and your employees.

Portfolios will be customized to fit your needs, with underlying investments that may include U.S. government securities, exchange-traded funds, growth equities and alternative investments (for qualified clients), depending on your growth objectives, liquidity needs, time horizon and risk tolerance.

As we create a customized strategy for you, we generally seek to establish a diversified portfolio, investing core assets (meaning long-term holdings that form the core of your portfolio) in lower-risk securities, and non-core assets in securities offering higher growth potential.

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

J.C. McKnight

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021, and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Barron's "Top 1,200 Financial Advisors: State-by-State" 2018, 2019, 2020, 2021, and 2022
Published annually in February - March. Rankings based on data as of September 30 of the prior year.

Peter Kenny

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021, and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

George Bassett

Forbes "Best-in-State Wealth Advisors" 2022
Published on April 7, 2022.  Rankings based on data as of June 30, 2021.

Forbes "Top Next-Generation Wealth Advisors" 2017, 2018, 2020, and 2021
Published annually Jul. - Sept. Rankings based on data as of March 31 of current year.

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.

Jonathan Betancourt

Wealth Management Banking Specialist

Merrill

Richard S Newman

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #529673

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 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.



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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.

      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.