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"We believe that professional insight and perspective, developed through diligent hard work and experience, are required to manage wealth today. Each day, we strive to commit 100% of our focus and abilities to help you pursue a more productive financial future."
KM & Associates is a seasoned team of wealth management professionals – highly educated, extensively trained and broadly experienced in finance and investing.
Over the years, we have expanded our skill sets and professional certifications to address the ever-increasing wealth management needs and challenges you face today. Our group is multidimensional and client-focused.
We have a core focus on developing diversified investment portfolios designed to help meet your objectives and support your wealth strategy. Drawing on the investment insights of Merrill Lynch and the banking convenience of Bank of America, we can also assist you with other dimensions of wealth structuring, including:
From our offices in Palm Beach, FL and North Carolina we work closely with a select number of affluent individuals and families from the Southeast and throughout the country. By design, we maintain a low client-to-advisor ratio so we have the time, energy and resources to deliver advice and guidance, tailored to you in a personalized manner.
Our individual clients include entrepreneurs and other professionals, C-suite executives, entertainers and business owners. Often, they come to us seeking strategies to preserve the wealth they've worked so hard to build. Our objective is to help them maintain their financial independence and set a strategy designed to move them toward their long-term goals.
"We work with you to set reasonable goals and return expectations. Then we help you structure your portfolio to pursue a projected return level while balancing acceptable risk."
A wealth management strategy should have scope and scale. It should take into account every aspect of your financial life. During initial meetings, we will take the time necessary to develop a detailed profile of you and your financial situation. This is our chance to listen and discover what role wealth plays in your life. It's our opportunity to understand your financial vision–and your concerns.
Answers to questions like these provide a foundation for the goals-based, individualized wealth management strategy we create together.
It's easy to forget that, in investing, risk can work for you as well as against you. We use various Merrill Lynch Wealth Management diagnostic tools to evaluate your tolerance for risk versus the projected investment returns needed to reach your goals. We also consider liquidity needs, time horizon, lifestyle maintenance questions, and your ambitions to grow your wealth to meet aspirational goals when we assess your risk tolerance.
It is too simplistic to calculate how much risk you can or should take in your investment portfolio, based only on your age. For example, we may implement conservative, long-term preservation-of-capital strategies for both a 65-year-old who has retirement income needs and a 40-year-old entrepreneur whose other wealth is concentrated in his or her business.
"The Merrill Lynch platform offers breadth, depth and flexibility. You have access to investment opportunities in every important capital market in the world."
Diversification, asset allocation and research are the building blocks of our approach to structuring your portfolio. Generally, we recommend apportioning your investment capital across a range of asset classes that may include:
Before we suggest any investment, our team researches it, gauges the potential downside risk and considers how it may correlate with other assets in the portfolio. Once again, our goal is to help you structure your portfolio, balancing risk and return.
Erick J. Ellsweig and Jay Kirkpatrick are qualified portfolio managers. You can delegate to them investment management responsibilities for your portfolios, meaning that they have discretion over certain investment decisions surrounding your investment strategy. Once Erick and Jay have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, they will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. Granting Erick and Jay this authority allows them to respond to market changes, price volatility and global events with the ability to make adjustments, if needed, to help your portfolio stay on track to pursue your goals.
To help you monitor and assess performance, we will regularly review your portfolio with you and you will receive periodic communications including monthly statements, quarterly portfolio summary updates and annual performance reports.
"The KM & Associates client service model is built on communication, responsiveness, courtesy and accuracy. Our entire team is committed to delivering consistent, high-quality service that exceeds your expectations."
We are proud of our ability to provide personalized coverage to clients across the country. We are equally proud of our connections to North Carolina.
Erick J. Ellsweig's family owned a home furnishings manufacturing business in North Carolina for four generations. As a former executive of that company, he knows numerous business leaders and is familiar with the challenges facing entrepreneurs.
The Kirkpatricks have long-established roots in Guilford County. Jay has lived in Greensboro his entire life. As the son of a forty-year Merrill Lynch veteran, he grew up in the financial services business. Passionate about the area, Jay has led the boards of two of Greensboro’s most prestigious institutions, the Greensboro Coliseum and Greensboro Historical Museum.
JJ Marus is also a native of Greensboro. Prior to pursuing a career in finance, he helped run a family-owned construction business that has served the Triad for multiple generations. Other team members have gone to college here, are raising families here and are actively involved with civic organizations throughout Greensboro proper and Guilford County.
Part of what KM & Associates offers to all clients is access to the remarkable resources of Merrill Lynch and Bank of America. Among these resources is BofA Merrill Lynch Global Research, which in 2015 was ranked as the top research organization by Institutional Investor magazine*.
As experienced professionals, we recognize that your other trusted advisors can make valuable contributions to your overall wealth management strategy. At your direction, we will work with your CPA, tax preparers, trust and estate attorneys, or other members of your professional advisory team to see that all the elements of your wealth strategy mesh together seamlessly.
*Denotes that this person is a shared resource and relationships may change.
Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
Investments in foreign securities involve special risks, including foreign currency risk and the possibility of substantial volatility due to adverse political, economic or other developments. These risks are magnified for investments made in emerging markets.
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 a service or services to select.
There may be less information available on the financial condition of issuers of municipal securities than for public corporations. The market for municipal bonds may be less liquid than for taxable bonds. A portion of the income may be taxable. Some municipal security investors may be subject to Alternative Minimum Tax (AMT). Capital gains distributions, if any, are taxable.
Barron's magazine, March 7, 2016; Feb. 23, 2015, Feb. 24, 2014, Top 1,200 Financial Advisors list and Feb. 19, 2013; Feb. 20, 2012; Feb 21, 2011, Top 1,000 Financial Advisors list. Advisors considered for the "America's Top 1,200 Advisors: State-by-State" and "America's Top 1,000 Advisors: State-by-State" rankings have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the advisor rankings include: client assets, return on assets, client satisfaction/retention, compliance records, and community involvement, among others. Barron's does not receive compensation from advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron's is a trademark of Dow Jones & Company, Inc. All rights reserved.
The Financial Times Top 400 Financial Advisors (FT 400) is an independent listing produced by the
Financial Times (March, 2016; March, 2015). The FT 400 is based on data gathered from firms and verified by broker-dealer
home offices, regulatory disclosures, and the FT’s research. The listing reflects each advisor’s performance in six
primary areas, including assets under management, asset growth, compliance record, experience, credentials and accessibility as identified by the FT. Neither the brokerages nor the advisors pay a fee to The Financial Times in exchange for inclusion in the FT 400.
*This was based on the December 2015 ranking which is a year-to-date ranking. Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2015, 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.
Merrill Lynch and the Bull Symbol are trademarks of Bank of America Corporation.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNERTM in the U.S.
CIMA® and Certified Investment Management Analyst®
Investment Management Consultants Association (IMCA®) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®. Use of CIMA® or Certified Investment Management Analyst® signifies that the user has successfully completed IMCA’s initial and ongoing credentialing requirements for investment management consultants.
CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning.
From Palm Beach, Florida and North Carolina, Erick offers wealth management strategies that serve as a compass for wealthy families and individuals, helping them to pursue their long-term financial goals. Erick and his team emphasize in-depth customization, the highest level of client service, and a disciplined wealth management approach. Erick joined Merrill Lynch in 2001 and has extensive experience advising senior executives, entrepreneurs, and members of the entertainment industry. From 2010 through 2013 he was recognized as one of Top 1,000 Financial Advisors in the U.S. by Barron's magazine. In 2014, 2015 and 2016, he was recognized in Barron's Top 1,200 Financial Advisors list. The Financial Times also named Erick among the FT 400 Top Financial Advisors in 2015 and 2016.
Erick graduated from Northwestern University with a bachelor's degree in political science and earned a law degree at Brooklyn Law School in New York. He does not provide legal advice in his role at Merrill Lynch. Erick is a member of the Investment Management Consultants Association. He also holds the Certified Investment Management Analyst (CIMA) designation.
Erick serves on the board of directors of the Weatherspoon Art Museum. He also serves on the Alumni Admissions Council of Northwestern University. He has served on the Future Fund of the Community Foundation of Greater Greensboro, is a past trustee of the Greensboro Jewish Federation and B'nai Shalom Day School, and has served on the investment committee of the Greensboro Jewish Foundation. Erick lives in Palm Beach County with his wife, Kim, and their three children, Ace, Ethan, and Aerin.
Jay joined Merrill Lynch in 2000 as a wealth management specialist for the Greater Carolina Complex. In that capacity, Jay helped advisors across the state build and implement financial strategies for clients.
Now, as a senior member of KM & Associates, he helps clients to develop in-depth wealth management strategies designed to pursue their long-term financial goals. Jay holds the Chartered Retirement Planning CounselorSM (CRPC®) designation.
Jay earned a bachelor's degree in business from Wake Forest University, and he is active in various community affairs. He is past chairman of the War Memorial Commission, past president of the board of trustees of the Greensboro Historical Museum, and past chairman of the Triad Chapter of Golfers Against Cancer. Jay and his wife, Katharine, have four young children, Jeff, Eliza, Maggie and Cooper. Jay's hobbies include golf, Wake Forest athletics and music.
A Greensboro native, JJ returned to the Triad region in May 2013 to join KM & Associates at Merrill Lynch after spending four years with another major investment firm in Atlanta. At KM & Associates, he helps high-net-worth families and individuals develop wealth management strategies tailored to their needs and designed to help them pursue their long-term financial objectives. He focuses on helping develop and implement customized portfolio and tax minimization strategies and providing estate and retirement planning services. JJ holds the Certified Private Wealth Advisor® (CPWA®) and Chartered Retirement Planning CounselorTM (CRPC®) designations.
JJ received his MBA from the Massachusetts Institute of Technology (MIT) Sloan School of Management with a concentration in investment management. Before Sloan, he spent five years in Greensboro working for his family's construction business. He is also an alumnus of N.C. State University, where he received his bachelor's degree in zoology/pre-med. An accomplished swimmer, JJ was a collegiate all-American, member of the 1999 USA Pan Pacific Games team and two-time U.S. Olympic Trials qualifier.
JJ still swims recreationally and also enjoys golf, scuba diving and skiing in his spare time.
David brings more than 20 years of experience to the KM & Associates team. Prior to rejoining Merrill Lynch in 2009, he helped design wealth management strategies for high-net-worth clients at another investment firm, and managed investment portfolios at a large insurance company. He began his financial career as a fixed-income analyst in the Merrill Lynch Asset Management group.
David holds the Chartered Financial Analyst® (CFA®) designation. David's educational credentials include an MBA degree in finance from Saint John's University in Queens, New York, and a bachelor's degree in accounting from Pace University.
The Marcus family – David, his wife, Anita, and their four children – relocated to Greensboro from Long Island, New York, when David joined the KM & Associates team. In his leisure time, David enjoys swimming, bicycling, cooking and reading.
Chris has been committed to helping clients develop strategies to pursue a wide range of financial goals since he joined Merrill Lynch in 2003. He holds the CERTIFIED FINANCIAL PLANNERTM (CFP®) designation, awarded by the Certified Financial Planner Board of Standards, Inc., and focuses on strategies for retirement and education needs.
Chris graduated from the University of North Carolina at Greensboro with a bachelor's degree in business. He and his wife, Kelly, live in Greensboro with their sons, Matthew and Noah. Chris enjoys fishing, boating and diving, and is also active in the Civil Air Patrol.
As a Merrill Lynch financial advisor, Justin offers financial advice and guidance to individuals and businesses. Justin meets regularly with clients to help them align their financial lives with their personal circumstances. Justin's goal is to thoroughly understand his clients’ financial priorities so they are able to turn to him for financial advice and guidance in their pursuit of personal, financial and professional objectives. Through individual meetings, he works with each client to set quantifiable long-term goals and to help establish priorities. He then guides the client in developing and implementing a tailored investment strategy drawing on the full breadth of investment insights that Merrill Lynch has to offer. He strives to offer a service-focused approach to help clients to concentrate on their priorities at each stage of their lives.
Justin is a graduate of North Carolina A&T State University with a bachelor's degree in accounting and finance. He has also obtained a master's degree in accounting from the University of North Carolina at Greensboro. He does not offer tax advice in his role at Merrill Lynch. Prior to joining Merrill Lynch in 2011, Justin was a financial auditor and consultant in the financial services and insurance industries.
Justin is married to Hona Kim Moore. When they are not working, they enjoy traveling and participating in athletics. Justin and Hona are members of Calvary Christian Center and currently reside in High Point, North Carolina.
Kim began her career with Merrill Lynch in 1981. She has provided operational and administrative support to KM & Associates since joining the team in 1990. Her goal is to provide an exceptional level of service to clients with the utmost care and concern. Kim attended Belmont Abbey College and majored in business administration. She and her husband, Tim, live in McLeansville, North Carolina, and have two adult daughters, Anna and Abby, and two young grandchildren. Away from the office, Kim enjoys reading, golf and traveling.
Since Kristen joined Merrill Lynch in 2006, she has enjoyed getting to know clients well and providing them with caring, personalized service. Her aim is to provide KM & Associates and the clients they serve with superior support in all service areas. Kristen graduated from the University of North Carolina at Greensboro with a bachelor's degree in human development. Kristen and her husband, Martin, live in Greensboro, North Carolina with their young son, William. In her spare time, she enjoys reading, yoga and traveling.
Mary Jo has been committed to providing superior service to clients since she began her career at Merrill Lynch in 2004. She enjoys getting to know each client and assisting them with their administrative and operational needs. Mary Jo graduated from Xavier University, in Cincinnati, Ohio, with a bachelor’s degree in business administration. She and her husband, Peter, live in Greensboro, North Carolina and have two young sons, Finley and Declan. Mary Jo enjoys attending her boys’ soccer games, watching college basketball and exercising.
You may also benefit from the experience of a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized banking guidance focused on your needs. Working together, your Financial Advisor team and Lending Officer can draw upon an expansive array of lending solutions designed to fit into your overall financial strategy and help you pursue your financial objectives. Shawn Gaffin, Vice President, Wealth Management Lending Officer, supports your Financial Advisor team. Wealth Management Lending Officers do not offer investment advice, nor make recommendations on investment products.
Erick Ellsweig is registered to do business in : AR, CA, CO, DC, DE, FL, GA, HI, IL, MA, MD, ME, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TX, VA, WI
Jay Kirkpatrick is registered to do business in : AR, CA, CO, DC, DE, FL, GA, IL, MA, MD, ME, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TX, VA, WI
Joseph (JJ) Marus is registered to do business in : AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, KY, MA, MD, ME, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TX, VA, VT, WI
Justin Moore is registered to do business in : AL, AR, CA, CO, DC, DE, FL, GA, HI, IL, KY, MA, MD, ME, MI, MN, MO, MS, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, VA, WI
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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
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