Terrence Davis
Managing your wealth begins with a deep understanding of your full financial picture. Based on what matters most to you, I can help create a strategy as flexible as today’s changing market conditions, and I can provide access to the investment insights of Merrill and the banking convenience and lending solutions of Bank of America. I will work to help you pursue your goals through personalized wealth management strategies.
Creating a Financial Plan - 2 Appointment Process
I go through a 2-step process with clients to create their financial plan. Let me walk you through it!
Step 1
A 20-30 minute call where we talk about your goals—this might include retiring at a certain age, buying a home, or funding your child's education. We'll also go over your financial picture, including your 401(k), investment accounts or savings accounts. Cash flow is another key part—we'll review your income, spending, and any other financial commitments. And, of course, I'll ask about your comfort with investment risk to ensure your plan aligns with your preferences. Largely, this call is your opportunity to tell me what's most important to you, and if there are any specific areas you'd like to focus on in our planning review.
Step 2
We can meet either in person at our Merrill office on the waterfront in Harbor East (100 International Drive) or virtually via Webex or Zoom. During this meeting, we'll take a deeper look at your financial plan—assessing where you stand in relation to your goals and discussing recommendations to keep you on track. We will utilize Merrill's Chief Investment Office's Capital Market Assumptions to help project your wealth. This step gives you a clear roadmap for your financial future.
*Note appointments can be added if needed. Appointments may run longer if financially complex.
Everyone deserves to retire— even better, everyone deserves to retire with a plan. But big questions remain:
• Will your money last as long as you do?
• What can you expect from Social Security? ...
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.
