At The Heim Group, we believe that most investors don’t expect enough from their financial advisors. Certainly, investment prowess is important. But ambitious women and men with complex needs deserve much more.
Amid the unprecedented financial and emotional uncertainty of 2020, our commitment is being put to the test. During this challenging time, we continue to serve as trusted "financial and life advisors" to an accomplished, well-educated clientele in New Jersey and more than 15 other states. Holding clients in high esteem — and holding their hands when questions arise — we deliver the type of financial acumen and attention they may not have experienced in a previous advisory relationship. We think it is noteworthy that our clients introduced us to more individuals in the first half of 2020 than at any time in the past.
At The Heim Group, we see clients not only as successful individuals, but as busy parents hoping to provide for their children, as new retirees about to embark on a new lifestyle, as senior executives looking to optimize concentrated positions, as widows re-defining their goals, and as grandparents concerned about passing along wealth and wisdom.
Our mission is guided by the acronym "IHAD" which stands for Integrity, Humor, Advocacy and Dependability. These four words remind us that delivering superior wealth management demands our ability to treat each client as a person, not as a portfolio.
Each day, we do big and little things for clients -- some expected and some not. By recognizing the people and passions in a client's life, we can help with financial decisions that require multiple considerations.
- For corporate executives and business owners — often with personal assets/linked too closely to the fortunes of their firms — our team is well equipped to help strike a balance in building and preserving their wealth. For example, we have extensive knowledge of concentrated stock and the emotions that may come with it. In addition to helping clients comply with SEC rules, their company's trading restrictions, and equity reporting requirements, we help entrepreneurs with pre-IPO planning.
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We proactively "recognize and recommend" when opportunities present themselves. In addition to actively managing a client's portfolio, we look at their investments held elsewhere — to help avoid overlap. We also may suggest refinancing existing debt, reviewing insurance protection and estate-related documents, or introducing alternative investments where appropriate.
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When clients feel a loss of control at times of personal hardship, we bring them open hearts and minds. In fact, we often share our own experiences to "accompany clients" in moving forward. Some clients need to better understand the tax ramifications of an inheritance, selling a concentrated position, or purchasing a second home. We recognize the impact we can and do make on the lives of clients. If a client is struggling with a challenge that we can solve, we will take the necessary steps to help.
In addition to our team's nuanced insights, we allow clients to benefit from others we've assisted in similar positions. We feel fortunate to have long memories and relationships. Speaking for our entire staff, we are as proud of the referrals we receive as the results we deliver.
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.
