The Moran Toth Group

Who We Help

We work with **business owners, corporate executives, women, and multigenerational families** whose financial lives have grown more complex over time. Our clients often come to us when they are **building or selling a business, managing concentrated wealth, navigating executive compensation, preparing for retirement, experiencing a significant life transition, or planning for the transfer of wealth to future generations**. We help bring these decisions together within a coordinated wealth management strategy designed around each client and family. **Business Owners \& Entrepreneurs** Business growth, succession, business sales, liquidity events, and the transition from business wealth to family wealth. **Corporate Executives** Concentrated stock, executive compensation, retirement benefits, liquidity needs, and planning for life beyond a corporate career. **Women** Building and managing wealth, retirement, inheritance, divorce, loss of a spouse, business transitions, and other significant financial changes. **Multigenerational Families** Wealth preservation, estate considerations, charitable giving, family financial education, wealth transfer, and preparing the next generation.

Integrated Wealth Management

Successful families often reach a point where financial decisions become increasingly interconnected. Investment strategy can affect taxes. A business or concentrated stock position can affect liquidity and risk. Retirement decisions can influence estate planning and the eventual transfer of wealth. We take an integrated approach, bringing together **investment management, retirement and income planning, tax aware strategies, liquidity management, lending considerations, risk management, and estate planning considerations**. Our role is to help clients understand how these decisions fit together and develop a financial strategy that can evolve as their lives, families, businesses, and priorities change.

Complex & Concentrated Wealth

Significant wealth is not always diversified wealth. Business owners, corporate executives, investors, and families may have substantial portions of their net worth concentrated in a company, privately held business, real estate, or another significant asset. We help clients evaluate concentrated wealth within the context of their broader financial goals. This can include **diversification strategies, liquidity planning, tax aware investment management, risk management, borrowing and lending considerations, charitable strategies, and planning around a business sale or significant liquidity event**. Our objective is to help clients make thoughtful decisions while preserving flexibility for the future.

Generational Wealth Planning

For families with significant wealth, financial planning extends beyond one portfolio and one generation. We work with parents, children, and grandchildren to help families think intentionally about **preserving wealth, transferring assets, educating the next generation, charitable giving, estate considerations, and the responsibilities that can accompany significant financial resources**. As a multigenerational advisory team ourselves, we understand the importance of continuity. Our goal is to build relationships across generations so a family's financial strategy can evolve while its values, priorities, and long term objectives remain at the center of the conversation.

Personalized planning

**Helping you create a personalized plan** At Merrill, we go beyond the traditional role of an advisor. * Your goals, concerns and attitude about investing are the foundation of your plan. * We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family. * We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Team and resources

**Giving you access to our teams and solutions** Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with: * Bank of America specialists, such as mortgage or trust professionals * Timely insights from BofA Global Research1 to help you stay informed and navigate ever\-changing markets * A [full suite](https://www.ml.com/solutions/all.html) of Merrill investing and Bank of America banking solutions ^1^~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](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition