We provide customized services supported by the broad capabilities of a global institution. Working with a limited number of clients, we are able to offer you and your family personalized attention for all aspects of your financial life, now and for future family members.
The private wealth advisors with Merrill Private Wealth Management are rigorously trained to help meet your specialized needs with relationships based on trust and personalized service.
As a client of Merrill Private Wealth Management, you have access to services and resources ordinarily reserved for the world’s largest institutions. We work with individuals, families spanning multiple generations, business owners and executives. Using a goals-based wealth management approach, we put our clients at the center of every personalized strategy.
We have extensive experience helping executives integrate their equity and other compensation—including nonqualified deferred compensation plans, pension plans, and health savings and flexible spending accounts—into an overall wealth management strategy.
Executives of publicly traded corporations often receive a substantial portion of their compensation in the form of options on company stock and restricted securities. They must make difficult decisions about when and how to monetize these awards and how to handle the resulting concentrated positions. We can draw on our own experience with the issues surrounding option exercise and restrictions on insider stock sales, together with the expansive resources of Merrill, to assist clients with:
We understand the challenges that corporate executives face in their financial lives. Using Merrill Lynch's Wealth Outlook® program, we can help you visualize all your assets and evaluate the likelihood, under various market scenarios, of achieving certain financial objectives within a specified time frame. Based on the results, we can develop a customized wealth management strategy tailored to your individual situation. This may include such elements as:
Equity awards—Handling equity awards involves complicated choices. With our years of experience in this area, we are well equipped to help you make informed decisions as to when to exercise company stock options and sell or gift restricted stock shares. We can also help you execute these trades in accordance with regulatory restrictions while seeking to minimize risk and tax liabilities and maximize award values. In addition, we can assist with the proper reporting of insider stock purchases and sales.
Although we are committed to helping you at every step of the way, we believe you should be an informed participant in your wealth management. We conduct communication and education programs to help you manage your equity awards and integrate them into a wealth management strategy for pursuing your long- and short-term goals.
We know that goals and circumstances may change over time. Throughout our relationship, we will conduct periodic reviews to help keep your strategy aligned with your evolving situation. We can also provide guidance designed to help you weather market ups and downs and alert you to potential opportunities.
If you prefer to work with a financial advisor closer to home, we can leverage our relationships with other Merrill Lynch teams around the country to assist you in finding a financial advisor as dedicated as we are to helping you pursue your financial goals and dreams.
*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.
*Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2021 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 165 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. For more information, visit 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.
We take a long-term approach to investing based on creating diversified portfolios through the strategic allocation of assets. We believe that this, rather than security selection and market timing, provides a solid foundation for pursuing the outcomes you desire. We measure our performance not against benchmarks like the Standard & Poor's 500 but against your goals.
In structuring an investment strategy for you, we:
Managing risk
We believe that risk management is critical to growing and preserving your wealth. We can help you determine the level of risk you're comfortable with and balance that against the level that may be required to pursue your goals within the desired time frame.
Corporate executives holding concentrated positions in company stock face significant risk, since an adverse movement in the share price can undermine their financial preparations. We can help you manage this risk through such techniques as:
If appropriate, we may suggest a staged selling strategy in accordance with SEC Rule 10b5-1. Such a strategy can help you retain some of the upside potential of the concentrated position while gradually converting it into a diversified portfolio.
**Hedging and monetization strategies can result in higher return potential but also higher loss potential. Prospective investors are required to meet certain qualifications and acknowledge they understand the risks associated with certain hedging and monetization strategies that may not be appropriate for all investors.
Merrill offers a broad range of brokerage, investment advisory 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 a service or services to select.
Merrill offers a broad range of brokerage, investment advisory 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 a service or services to select.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Your dedicated Merrill Private Wealth Management team is ready to help you pursue what’s most important to you.
For clients of substantial means, Merrill Private Wealth Management provides an experience that is both powerful and personal. We are dedicated to helping you pursue your goals for today while developing an approach designed to support your family members for the years to come.
Your private wealth advisor and team of specialists work with a limited number of clients, enabling them to focus their time, training and passion on helping you simplify your personal and business finances and prepare your next generation.
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