Michael M Heard, CFP^®
Senior Vice President
Wealth Management Advisor

As a Wealth Management Advisor with Merrill Lynch Wealth Management, Michael, along with a team of specialists, work with a select group of families, business and non profits in developing and implementing strategies to manage their wealth.

After receiving a BBA from the University of Georgia in 1993, Michael returned to Macon to complete a MBA from Mercer University in 1994. He worked for several years in his family’s business before joining Merrill in 1996.

Michael works with individuals and business to define and work towards their financial goals. He recognizes that his ultimate responsibility to clients is to help them build a solid foundation on which to make their financial decisions with confidence.

He works with businesses and individuals through every step of their financial life cycle. Michael works with clients to develop a wealth management strategy, focusing on in-depth financial recommendations and a relationship that is built on trust. Michael has experience developing and implementing financial strategies that range from asset accumulation to efficient wealth transfer.

Grow, Preserve and Distribute Wealth
· Retirement Planning
· Retirement Income Distribution Planning
· Manage Investments and Cash Flow
· Trust and Estate Planning services working with family tax accountants and attorneys
· Tax Minimization Strategies
· Liability Management (loans and lending solutions through Bank of
America, N.A.)
· Asset Allocation and Diversification Management
· Insurance Coordination: Life, Disability, Long-Term Care, Liability
· Corporate Cash Management Recommendations
· Corporate Retirement Plans

Michael holds the CFP^® certification awarded by the Certified Financial Planning Board of Standards, Inc.

Michael's personal interests include reading, and spending time outdoors running and cycling.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.