LM Group

Philosophy

Life changes… sometimes gradually and sometimes overnight. Our ongoing commitment to training, education, and expanding our technical expertise ensures we're prepared to help clients adapt with confidence and make informed, timely decisions. Together, our team holds advanced designations that support our work with highly complex and often uncommon financial circumstances, including: * Two CERTIFIED FINANCIAL PLANNER® professionals * Chartered Retirement Planning Counselor™ (CRPC™) designee * Certified Divorce Financial Analyst® designee * A Masters in Business Administration \& Finance At the core of our practice is a structured, thoughtful, and reliable management process centered on goals‑based planning. We take a proactive approach designed to anticipate needs, simplify decisions, and provide clarity, often before questions even arise. Our management process focuses on financial planning, investment management, private banking, and ongoing guidance and accountability, allowing clients to move forward with confidence and purpose. We believe strong relationships are built on transparency, responsiveness, flexibility, and perspective. When we connect with clients on their terms, we are able to serve as a trusted partner, helping them focus on what matters most and pursue the life they envision.

Financial Planning

Effective financial planning is about more than just investing assets… It's about helping you make confident decisions at every stage of life. Our team works with clients to develop a customized financial plan tailored to their goals, values, and priorities. We take the time to understand what matters most to you, then help translate your goals into clear strategies designed to support both your current needs and long‑term objectives. Financial planning is an ongoing process. As your life evolves, your plan should evolve with it. We regularly review and update your strategy to reflect changes in your career, family, cash‑flow needs, market conditions, and personal circumstances. Our planning approach may include: * Retirement income planning and goal forecasting * Cashflow and budgeting analysis * Social Security and pension planning * Estate planning coordination * Education funding strategies * Risk management and insurance planning * Tax‑aware planning considerations By integrating these elements into a single, coordinated framework, we help you better understand how today's decisions may impact tomorrow. This process lets us provide perspective to help you make informed, confident financial choices.

Investment Management

Thoughtful investment management plays a critical role in supporting long‑term financial goals. We work with clients to design and manage investment strategies aligned with their objectives, risk tolerance, time horizon, and overall financial plan. Rather than focusing solely on short‑term market movements, our approach emphasizes discipline, diversification, and long‑term perspective. Investment strategies are developed within the context of your broader financial picture and may be adjusted as goals, market conditions, or personal circumstances change. We believe ongoing communication and regular portfolio reviews are essential components of effective investment management. Our investment management services may include: * Customized portfolio construction * Asset allocation aligned to goals and risk tolerance * Regular portfolio oversight and rebalancing * Tax‑aware investment strategies * Coordination of investments across multiple account types By aligning investment decisions with your financial plan, we aim to create a strategy designed to support growth, manage risk, and provide clarity through changing market environments.

Who We Work With

**Executives \& Senior Leaders:** We work closely with executives who are navigating complex compensation structures, career transitions, and concentrated equity. Our approach integrates cash flow, investment strategy, tax‑aware planning, and long‑term wealth goals to help executives make confident decisions through every stage of their careers and beyond. **Millennials \& Growing Families:** We support millennials who are building their financial lives while balancing careers, families, and competing priorities. From saving and investing to education funding, home ownership, and long‑term planning, we help families create clarity and structure as their lives and responsibilities evolve. **Women Investors:** We partner with women who want a thoughtful, collaborative approach to managing wealth. Whether navigating career changes, divorce, inheritance, or retirement, we provide clear guidance and personalized strategies designed to support independence, confidence, and long‑term financial well‑being. We advocate for women to engage in open, transparent conversations about money, investing, and their wealth, at every stage of life. **Business Owners \& Entrepreneurs:** We advise business owners through every phase of ownership, from growth and reinvestment to succession and exit planning. Our holistic approach coordinates business strategy with personal wealth planning, helping owners prepare for liquidity events, transitions, and life beyond the business.

Costs & Fee Structure

We are committed to acting in your best interest at all times. Our practice is fee‑based, and our compensation is designed to align with the advice and guidance we provide. We charge an annual advisory fee that covers our full suite of services, including financial and wealth planning, investment guidance and implementation, and coordination around estate and tax planning in collaboration with your attorney and accountant. Transparency and fairness are foundational to how we work. Our fee structure is clearly disclosed and explained during the onboarding process, and your exact fee is calculated and presented alongside your financial plan. This approach reflects our commitment to fee integrity to help ensure clients are priced equitably and consistently based on the scope of services provided.

Personalized planning

**Helping you create a personalized plan** At Merrill, we go beyond the traditional role of an advisor. * Your goals, concerns and attitude about investing are the foundation of your plan. * We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family. * We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Team and resources

**Giving you access to our teams and solutions** Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with: * Bank of America specialists, such as mortgage or trust professionals * Timely insights from BofA Global Research1 to help you stay informed and navigate ever\-changing markets * A [full suite](https://www.ml.com/solutions/all.html) of Merrill investing and Bank of America banking solutions ^1^~BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker\-dealer, [Member SIPC](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition