On the surface, it seems rather simple — manage investments and resources in pursuit of a goal. However, if you're like most of the clients we serve, you have an array of goals. Often these goals are complex and may be competing for resources and require the expertise of a number of specialists. We work with our extensive team of Merrill specialists to help deliver you the expertise and guidance for your goals.Using a goals-based wealth management strategy we look to tie together your entire financial outlook: income, expenses, investments, debt, business interest, real property etc.We start by: •Analyzing your current income, expenses, and investment holdings •Considering your objectives for each area of your financial life—family, business, retirement and wealth transfer •Estimating the potential impact of taxes, inflation and market upheavals on your portfolioOur intent is to give you a clear picture of your financial life and to develop a strategy to help you achieve your goals.