HDB Group
Located in the Barrington, Illinois, area, The HDB Group is dedicated to assisting affluent clients and their families with their sophisticated wealth management needs. We draw on more than 60 years of collective experience to help you lay out a clear path toward your financial goals.
The personalized wealth management we provide goes beyond investment strategies to a range of services designed to address the entirety of your financial life. Together with your tax and legal professionals we can help you evaluate retirement and estate planning services, tax minimization strategies, legacy planning services and risk management strategies. Our mission is to help you grow and preserve your assets and simplify your financial affairs.
We seek to fulfill this mission through:
Knowledgeable advice and guidance—The members of our team possess diverse experience and professional designations that allow us to consider your wealth management needs from different perspectives. Together these capabilities form a foundation of knowledge and skills that we can draw on in developing and implementing strategies designed to address the challenges associated with the different stages of your financial life: wealth accumulation, preservation, distribution and transfer.
Exemplary service—Integrity and professionalism are the cornerstones of our service. We are committed to putting clients' interests at the center of everything we do and devoting our full attention to every interaction. We seek to keep clients informed about their current financial position, their progress toward their goals and any market opportunities that may arise. We also strive to respond to questions and requests quickly and effectively. It is our belief that our personalized, attentive service is among the reasons that a number of our relationships span multiple years and several generations.
We follow an approach that seeks to transform clients from merely having objectives to actively pursuing them. Our process begins with determining your current financial situation and helping you articulate your objectives for the future. We also seek to define your risk tolerance, liquidity needs and time horizon. What we learn forms the basis for the wealth management strategies we recommend.
Our discovery process is both quantitative and qualitative. On the quantitative side, we may ask such questions as:
- When do you want to retire?
- What have you already saved toward retirement?
The qualitative side involves questions like:
- What kind of retirement do you envision?
- Do you want to travel, go back to school, start a small business, consult or spend more time with your grandchildren?
Our next step is to present you with a detailed written analysis that addresses your goals, whether they involve accumulating wealth, generating income, solidifying a retirement plan or devising a distribution approach that supports a certain lifestyle or legacy.
Throughout our relationship, we will meet with you regularly to review your strategy. If necessary in light of changes in the market or your personal situation, we can suggest adjustments to help keep your portfolio aligned with your goals and risk profile.
Building and maintaining strong relationships with your other professional advisors are also important parts of our process, helping us integrate the different elements of your financial life. We can collaborate closely, for instance, with your attorney to see that assets are titled properly and with your tax advisor to consider business and personal tax impacts.
Bringing fresh perspectives to your financial life
The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.
