Wealth Management
Strategies Designed to Help You Move Forward
We are avid listeners—and take the time to really
understand your current needs, concerns about managing
your wealth and ideas for the future. To help you hone your vision, we
use the Merrill Lynch Wealth Management Process, a disciplined, four-step
method of gathering information, organizing a targeted strategy and,
ultimately, helping to suggest an investment portfolio that meets your needs.
The process is essential to helping you identify goals
and craft strategies you can use to pursue them. It includes an ongoing
progress review that helps keep your portfolio aligned with your goals and risk
tolerance following shifts in the markets and your life.
Merrill Lynch Personal Investment Advisory is a
registered trademark of Bank of America Corporation.
CERTIFIED FINANCIAL PLANNER and CFP are certification
marks owned by the Certified Planner Board of Standards, Inc., and are awarded
to individuals who successfully complete the CFP Board's initial and ongoing
certification requirements.
Certified Investment Management Analyst® and CIMA® are
registered certification marks of Investment Management Consultants
Association, Inc.
Chartered Financial Analyst and CFA are registered
trademarks of the CFA Institute.
Merrill Lynch offers a broad range of brokerage,
investment advisory (including
financial planning) and other services. There are important differences
between brokerage and investment advisory services, including
the type of advice and assistance provided, the fees charged, and the rights
and obligations of the parties. It is important to understand the differences,
particularly when determining which service or services to select.
Using Research to
Identify and Evaluate Potential Investments
When seeking potential investment solutions that align
with your wealth management strategy, we search both within and beyond the
bounds of Merrill Lynch.
- BofA Merrill Lynch Global Research—provides us with in-depth information on stocks, bonds, global economics and investment strategy.
- Investment Management and Guidance Group—analysts who perform rigorous due diligence on third-party products, services and asset managers.
- Personally interview the portfolio managers under consideration, whenever possible, before adding them to our investment roster.
- The RIC Report—a monthly digest published by the Merrill Lynch Research Investment Committee that highlights significant strategic and tactical investment themes and provides asset allocation guidelines.
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