PBM-NHO Wealth Management Group
Your wealth is precious, for your security, your legacy, and the people and causes you value.
At PBM-NHO Wealth Management Group, we understand that perspective. We are honored to have guided business owners, executives, multi-generational families, strong savers, and budding wealth creators at various points on their wealth journeys.
Clients look to us for a different kind of relationship: one that reflects a deep understanding of their situations, personally and professionally. These close-knit ties often mature into lasting friendships. We often meet our client families beyond the walls of Merrill Lynch, cementing lasting roots in our community.
Here are a few of the ways we look to deliver a superior experience for the individuals and families in our care:
Purposeful design. We have built our team with your needs in mind, assembling a group of high-performers ready to address your aspirations. We’re proud of our presence in Southwest Missouri and beyond, helping you take active steps to enjoy a more secure and cohesive financial future, for you and the people you cherish.
Customized planning, investing, and advice. We begin each relationship by learning all we can about you—your assets and liabilities, but also your goals, aspirations, family dynamics, and long-term intentions. We then devise a customized wealth plan that is the foundation of our work together. Reflecting your unique situation, this plan is a living document that evolves as your needs evolve, keeping pace with market dynamics and global economic themes.
A single source for you and your family. Our breadth of resources allows us to address almost any financial need. We are particularly skilled in liquidity-event planning, fiduciary services, concentrated stock strategies, next-generation wealth transfer, cash-flow strategies in retirement, charitable giving, and access to banking and lending through Bank of America. Holistic in our outlook, we seek to bring you the firm, working in concert with locally based specialists who help us nurture your aspirations.
Tax-sensitive strategies. We appreciate the importance of preserving your wealth, not only for yourself but for future generations. We employ tax-sensitive strategies in investing, next-generation transfer, and charitable giving, helping you retain more of your hard-earned dollars. We also stay apprised of changes to the tax code, helping you identify and capitalize on timely advice.
Consistent service delivery. Service is something that is easy to talk about but harder to enact. We are proud of our service model, which prizes your comfort and ease. From Advisors through Associates, we look to make your life less stressful, helping you regain more time for the people and passions that matter most to you. You will know you are top of mind, witnessing the responsiveness of our outreach and the attentiveness of our follow-through.
We are eager to hear from you. Please reach out to any of our Advisors to discuss your needs and our capabilities:
It's natural for us to view financial matters from a family perspective. Given our heritage serving multiple generations, we don't refer to clients as such. Rather, we think of them as "families" or "households" because that better reflects our approach.
When asked, we characterize our offering as a rich repository of knowledge and best practices. Privacy is a pillar of our offering. Still, when it can prove beneficial, we may share what others in a client's peer group are doing. This not only leads to proven ideas for meeting an array of challenges, but ongoing education that can help family members learn and prosper.
As our client, you can expect that we will:
- Put our heads together to scrutinize your overall wealth and its components. We will perform an in-depth analysis of your investment allocation with regard to diversification, risk, cash flow, and time horizon – to help us identify redundancies and exposures, and evaluate tax efficiencies.
- Put your needs first, always. To us, that means serving as responsible stewards of your wealth, prioritizing your objectives and examining areas of your financial picture that may have been ignored previously. In short, we look at "goals and holes" in your financial life.
- Strive to help you make informed decisions, not emotional ones. Our proactive efforts are meant to help you plan and prepare ahead of circumstances you can foresee and those you don't.
- Do our best work when your needs grow in complexity. We enjoy meeting challenges and helping you focus on the people and passions in your life. The more you ask us to do, the more value we can deliver.
- Explain what actual outcomes look like – in simple terms, without needless financial jargon. Going beyond spreadsheets and simulations, we will illustrate and discuss real-world scenarios with you.
- Encourage you to share our long-term perspective on capital preservation with reasonable growth – in relationship to the risk you are willing to take. Your portfolio will reflect overall strategic input from our firm's Chief Investment Office and model portfolios from managers we've known for years who are also carefully vetted by Merrill. Your customized portfolio may include equities, bonds, ETFs, and in some cases, alternative investments*.
- Remind you to contact us with any and all financially related questions, or if you need our opinion on a financial or life circumstance. By doing our jobs well, we can bring you the perspective and time you need – to make informed decisions that are wise and unhurried. We see ourselves as "life advisors" as much as "financial advisors."
- To help optimize both sides of your balance sheet – assets and liabilities – we offer cash management and credit strategies, and access to specialists at Bank of America, N.A. for residential and securities-based lending solutions.
- Align our tax minimization and estate planning strategies with those of your CPA and attorney, or a professional we can recommend. When beneficial, we can also call upon our firm's trust professionals to offer assistance. Finally, we rarely see situations we haven't encountered. We feel fortunate to have long memories and relationships.
It is our intention to help you benefit from others we've assisted in similar positions.
CFP®, CPFA®, CRPC™
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.
