Carchedi & Associates
At Carchedi & Associates, our highly experienced team caters to people whose passions and perseverance have brought them financial success and an array of challenges. Our largely referred clientele includes active and retired physicians, corporate executives, business owners, widows and generations of families throughout Ohio and in more than ten other states.
While distinct in their paths to our door, the vast majority of clients has saved, sacrificed and invested consistently without letting emotions drive their decisions. In recent years, we’ve also attracted a growing number of younger clients who are beginning to accumulate wealth and seek to set a wise financial course for themselves and their families.
Whether we meet at clients’ kitchen tables or in our office, we believe that our authenticity and transparency are apparent. Often, we learn that clients need help organizing their financial lives. More than once, we’ve helped a client empty a shoebox full of records to identify important bank and investment statements, legal documents and tax forms.
At the core of our offering is our desire to know clients exceedingly well. That’s why we ask questions – some expected, some not, “What do you envision in retirement? What’s your greatest achievement and proudest moment? Who are you responsible for? What’s the most important thing in your life?”
In turn, we answer clients’ questions – about how to increase cash flow, utilize debt wisely, insulate their wealth from market volatility, pay for college, and Social Security strategies, In each conversation, we are straightforward and explain matters in simple terms.
When it comes to investing, we listen to clients and the markets. Sharing our rationales with both spouses whenever possible, we educate – so that they understand what they own and why. We find that better-informed investors enjoy a higher level of comfort. Regardless of how we design each portfolio, a client’s “sleep at night” factor is a key consideration.
Having served dozens of clients with situations that may be similar to yours, we have become a repository of knowledge. This is not our first rodeo. You have our commitment to be highly professional and proactive – perhaps more than you’d expect from a financial advisory team.
At Carchedi & Associates, we have helped generations of clients put their wealth to work. While there are several aspects to providing superior wealth management, we believe it begins by helping to simplify what are often complex and emotional financial decisions.
As our client, you can also expect that we will:
• Explain what actual outcomes look like. Going beyond spreadsheets and simulations, we will illustrate alternate, real-world scenarios and discuss them with you. We are here to act as a responsible steward of your wealth and wishes.
• Strive to prevent you from making bad financial decisions, at the wrong time. Through frequent conversation and emails, we will try to "accompany you" through periods of volatility and personal difficulty. At all times, we are authentic, straightforward, and willing to act as a buffer in challenging family situations.
• Build your financial strategy once we have a clear understanding of your experience with investing, comfort with risk, need for liquidity, vision for the future, current expenses and cash flow needs. As part of our disciplined investment process, we focus on minimizing risk, costs and tax consequences. We are long-term investors and do not pursue speculative opportunities.
• Draw upon the vast resources of Merrill and Bank of America, N.A. Whether you're looking to purchase a home, a car, refinance a mortgage, consolidate your banking, or meet with a trust specialist, we will coordinate matters on your behalf. We will also meet with your CPA or attorney to align our tax-minimization and estate planning strategies, or simply to discuss the titling of documents.
• Encourage you to see us as a "first call and go-to resource." Rather than call you when the calendar tells us to, we believe in talking frequently, to discuss a variety of topics – your family, tax situation, cash flow and income, and the markets. When you call, we will recognize your voice and, more importantly, remain mindful of our previous conversation. It would be our privilege to bring our highly attentive and deeply analytical approach to you and your family.
*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
*Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
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.
