Harris, Siemens & Associates
We work with ultra-high-net-worth families and surviving spouses on tax-aware wealth planning, estate design, and long-term trust administration.
Our focus is on building plans that hold together across generations, markets, and life transitions. We coordinate closely with leading legal, tax, and fiduciary partners to help ensure estate plans are not only well designed, but properly administered over time. Through our affiliation with Bank of America Private Bank and U.S. Trust fiduciary services, we provide access to corporate trustees, directed trust structures, and multigenerational administration.
Our family office capabilities bring structure and oversight to complex balance sheets, closely held entities, philanthropy, and multi-trust families. We serve as the long-term architect and steward of the plan, providing continuity before, during, and after major life and liquidity events.
For surviving spouses and heirs, we offer calm coordination, objective support, and protection during difficult periods of transition and decision-making. The result is durable wealth, fewer surprises, and confidence that the plan will function exactly as intended when it matters most.
In addition to portfolio management and advanced planning, we provide access to home mortgages, customized lending solutions—including securities-based lines of credit, commercial real estate financing, and liquidity strategies.
We combine personalized wealth management with the global resources of Merrill and Bank of America, delivering boutique‑level care backed by institutional‑grade expertise, research, and advanced planning tools.
Personalized Planning
Every relationship begins with understanding your goals. Using Merrill's Investment Personality Assessment and Personal Wealth Analysis, we create strategies tailored to your priorities—retirement, education, healthcare, business transitions, philanthropy, trust and estate planning, tax efficiency, and multigenerational wealth transfer.
Integrated Solutions
Our ability to leverage Bank of America's credit and lending platform—paired with direct access to the Private Bank (formerly U.S. Trust) and its trust, estate, and fiduciary specialists—sets us apart. Through the Private Bank's Family Office division, we support clients with comprehensive services including complex estate structures, business succession strategies, philanthropic planning, and multigenerational family governance.
This integration allows us to address every aspect of your financial life—from investments and liquidity planning to estate design, trust implementation, and tax‑aware strategies—all under one coordinated approach.
Ongoing Guidance
Your goals evolve, and so do our strategies. We provide ongoing communication, proactive reviews, and thoughtful adjustments to keep your plan aligned with your vision, values, and long-term legacy.
Personalized planning. Global resources. Lasting impact.
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.
