At FCMH Wealth Management & Associates, we have earned our stripes and an impressive clientele by providing an uncommon level of wealth management – especially when clients need it most.
The people we assist come from all walks of life, with varying degrees of wealth. Many are highly accomplished and hope to accomplish more. Others are building nest eggs and seek a seasoned team of advisors capable of growing their wealth. Facing important financial decisions – both professional and personal – all clients can rely on us for our decades of practical experience, intimate knowledge of best practices, complementary skillsets, and ability to provide seasoned insights in timely fashion.
Who do we serve? A largely referred clientele spanning more than 20 states and four generations. Many client families are led by senior-level corporate executives, physicians, attorneys, entrepreneurs, athletes, entertainers and financial sponsor principals who respect our ability and integrity.
While they’ve taken different paths to our door, most clients will experience a critical inflection point in their financial lives. Perhaps they have or will sell a business or practice, take a company public, attain a new level of professional success, or receive an inheritance.
Applying the lessons learned in private banking and our rigorous planning-based approach, we help these clients navigate key junctures and assist with everything from concentrated stock and associated risk, to exit and succession planning, cash flow and cash management solutions, tax-minimization and estate planning strategies, and philanthropic planning. When it can prove beneficial, we may meet with clients, spouses, entire families and employees. To help enhance results and save clients time, we often coordinate our efforts with those of their CPAs, attorneys and other trusted advisors.
We also work closely with foundations, endowments, and board members. Our advisors are well versed in the special challenges faced by non-profit organizations and understand the responsibility of managing the assets, expectations, and mandates of each organization. Supported by our firm’s vast resources, we feel privileged to provide a “boutique-like” approach designed to simplify what may seem complex and uphold an organization’s mission.
The sophisticated and more typical needs of our clients deserve our anticipation, coordination, and relentless follow through. Having “cut our teeth” in private banking, it is our practice to provide all three, with each advisor ready to help clients plan and prepare for circumstances they anticipate and those they don’t.
While there are several aspects to providing superior wealth management, we at FCMH Wealth Management & Associates believe it begins by having a genuine appreciation of your financial situation, mindset, and motivations.
Each day we apply our complementary skillsets across investment management, financial planning, capital markets, trust and estate planning services, private and commercial banking, and liabilities management to help our clients achieve their goals.
Our objectives mirror those of each client – to grow, preserve, and insulate their wealth, mitigate investment risk and tax consequences, generate market-like returns, and always – to put their assets and liabilities to work, and minds at ease.
As our client, you can expect that we will:
• Do our best work as your needs expand. The more you ask us to do, the more value we can deliver.
• Serve your best interests. Applying a fiduciary standard, we will act as stewards of your wealth and wishes.
• Abide by our principles: Be proactive, professional, transparent, straightforward, respectful, and fact-driven.
• Explain what actual outcomes look like. Beyond spreadsheets and simulations, we will illustrate real-world scenarios and discuss them with you.
• Communicate with you regularly, at your discretion – by phone, email, Zoom, or wherever you'd like to meet. We will also serve as a "sounding board" for your ideas and financial issues.
• Work to prevent you from making poor financial decisions, at the wrong time – especially during periods of volatility and personal difficulty.
• Try to build a relationship with your family and educate "the next generation" – so that children can understand how wise financial habits can contribute to their own lives. We want to be the only financial resource your heirs will need.
• Take strategic direction our firm's Chief Investment Office and input from our award-wining research analysts. Based on your attitude toward risk, investment timeline, need for liquidity, concentrated positions and personal objectives, your portfolio may include a blend of equities, bonds, ETFs and alternative investments*.
• Formulate your investment management strategy with considerations for estate planning strategies always in mind – addressing your needs and those of principal beneficiaries. We are quite familiar with the fiduciary challenges and complexities of individual and family trusts.
• Work to align our tax-minimization and estate planning strategies with those of your CPA and attorney – or call upon our firm's trust specialists to help structure your wealth that shapes your legacy. We can also meet with your organization's board members to interpret manager performance and make changes where necessary.
• Provide access to the vast resources of Bank of America. We stand ready to expedite matters whether you're looking to purchase a home or boat, expand your business, finance equipment, or meet with a trust specialist.
• Have long memories. Over the years, many clients have experienced financial circumstances and opportunities similar to yours. When helpful, we can share solutions we found effective and implement them on your behalf.
*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment's investment objectives will be achieved.
*Global Wealth & Investment Management (GWIM) is a division of Bank of America Corporation. The Chief Investment Office, which provides investment strategies, due diligence, portfolio construction guidance and wealth management solutions for GWIM clients, is part of the Investment Solutions Group (ISG) of GWIM. *Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement. *BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation.
In recent years, very few developments have captured investors' imagination and curiosity as much as the emergence of generative artificial intelligence (AI). Although its origins trace back to the 1950s, the release of ChatGPT—a consumer-focused AI chatbot and virtual assistant—in late 2022 marked a turning point that sparked a global frenzy around all things AI.
Thanks to its public accessibility and intuitive interface, ChatGPT gained over 100 million active users just two months after launching,. The tool's meteoric rise into one of the fastest-growing applications in history evidences the magnitude of demand for AI technologies and excitement around its transformative potential.
Please join us for an informative event during which we'll discuss:
- The AI Rally: Is There a Bubble Brewing Underneath?
- Is It Too Early or Too Late to Invest in AI?
- Where to Look Beyond Today's Most Popular AI Companies
Merrill invites you to a virtual event featuring Jeff Bush, a dynamic and insightful speaker and author known for his unique ability to translate difficult tax and fiscal information coming out of Washington, D.C. Jeff will discuss his perspective on the current political environment and prospective legislation.
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.
