Our mission is to help create client portfolios that will increase cash flows in retirement. We help clients assess and address life’s major milestones from education to retirement transitions and beyond. We use disciplined cash-flow-driven processes to support goals-based portfolios, and we seek to minimize risk exposures and elevate cost/tax minimization strategies.
Diversification
We believe risk management is achieved by substantial diversification across asset classes using equity and debt securities.
Efficiency
We seek to reduce indirect costs by investing directly in individual stocks and bonds. We charge one asset-based fee, and we are sensitive to tax planning considerations.
Transparency
We construct and track investment portfolios consisting of individual stocks and bonds. We do not use mutual funds or other investment products with embedded fees and other internal costs. We avoid commodities, derivatives, or similar complex, high-risk financial instruments.
It is important that you take positive steps toward your financial future, and that means getting more than just investment advice. We take the time to get to know you and your family, your financial situation and what matters most to you. Using one-on-one collarboration as a foundation, We can work with you to build your own personalized financial strategy.
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.
