Explore your goals
You have priorities and we have the insights you need to keep them front and center.
It starts with you
For us, success is about helping you reach your goals, not a number.
See how we work
A real advantage
Industry-leading research and expert analysis are here to help you stay ahead.
Explore our insights
Get the right guidance for you
Connect with an advisor and start a conversation about your goals.
Contact a financial advisor
Not who you're looking for?
Get to know some of our other financial advisors.
Find another advisor
800 Green Valley Road
Greensboro, NC 27408
Directions To Branch
"Professional insight and perspective, developed through diligent hard work and experience, are required to manage wealth today. Each day, we 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 practice is multidimensional and client-focused.
We have a core focus on developing diversified investment portfolios designed to support your wealth management strategy and help you pursue your objectives. 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 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.
Individuals we serve 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 stands out in terms of breadth, depth and flexibility. You have access to investment opportunities in important capital markets throughout 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 is a qualified portfolio manager. You can delegate to Erick investment management responsibilities for your portfolios, meaning that he has discretion over certain investment decisions surrounding your investment strategy. Once he has confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, he will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. Granting Erick authority allows him 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.
"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 in many states, and we're equally proud of our connections to Greensboro, the city we call home. 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. 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 investing resources of Merrill Lynch and banking convenience of Bank of America. Among these resources is BofA Merrill Lynch Global Research, which in 2013 was ranked as the top research organization by Institutional Investor magazine.* With approximately 500 analysts in more than 20 countries (as of April 2014), the group offers in-depth market and economics research, as well as access to high-quality investment ideas.
For families with elite levels of wealth, we are a gateway to the Private Banking and Investment Group of Merrill Lynch. We work with HB Associates of Atlanta, Georgia. Led by Private Wealth Advisors Roger Hunt and Scott Bass, this group concentrates on the special situations and unique challenges of managing the financial complexities of ultra-high-net-worth families.www.pwa.ml.com/HBPartners
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 help see that the elements of your wealth strategy mesh together.
*In its December 2013 issue, Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2013, 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. For more information about this award, go to http://www.iinews.com/site/pdfs/researchaward.pdf.
*Denotes that this person is a shared resource and relationships may change.
Investing involves risk. There is always the potential of losing money when you invest in securities.
Asset allocation and diversification do not ensure a profit or protect against a loss in declining markets.
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.
Neither Merrill Lynch nor its financial advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their tax and legal professionals.
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.
BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. MLPF&S is a wholly owned subsidiary of Bank of America Corporation. Any information presented in connection with BofA Merrill Lynch 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.
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, Feb. 24, 2014, Top 1,200 Advisors list. Advisors considered for the "America's Top 1,200 Advisors: State-by-State" ranking 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. Years prior to 2014, this Barron's list consisted of 1,000 advisors.
Merrill Lynch and the Bull Symbol are trademarks of Bank of America Corporation.
Certified Financial Planner Board of Standards, Inc., owns the certification marks CERTIFIED FINANCIAL PLANNERTM and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Investment Management Consultants Association (IMCA®) is the owner of the certification marks CIMA and Certified Investment Management Analyst. Use of CIMA and Certified Investment Management Analyst signifies that the user has successfully completed IMCA's initial and ongoing credentialing requirements for investment management consultants.
Chartered Financial Analyst and CFA are registered trademarks of the CFA Institute.
Erick offers wealth management strategies that serve as a compass for wealthy families and individuals, helping them to pursue their long-term financial goals. He was recognized by Barron's as one of America's Top 1,000 Financial Advisors for four consecutive years through 2013 and as one of America's Top 1,200 Financial Advisors in 2014. Erick is a qualified portfolio manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios and third-party investment strategies. When servicing clients through the firm's Investment Advisory Program, a portfolio manager may manage his strategies on a discretionary basis. He also holds the Certified Investment Management Analyst® (CIMA®) designation. Erick is a member of The Investment Management Consultants Association.
Prior to joining Merrill Lynch in 2001, Erick spent seven years as an executive in the home furnishings industry. He was a founding member of Young Home Furnishings Professionals, an organization that seeks to attract young managerial talent to the industry. 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 has been involved with the Greensboro community for many years. He has served on the Future Fund of the Community Foundation of Greater Greensboro and the investment committee of the Greensboro Jewish Foundation. Erick is a past trustee of the Greensboro Jewish Federation and B'nai Shalom Day School. Erick has been a co-chairman of the Alumni Division of the Greensboro Day School Annual Fund and is currently a member of its Alumni Board. He also currently serves on the Alumni Admissions Council for Northwestern University and on the board of directors of the Weatherspoon Art Museum. Erick completed a half marathon a few years ago and has undertaken a new challenge: golf. He lives in Greensboro with his wife, Kim, and their three children, Ace, Ethan and Aerin.
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. In addition to passing a rigorous set of exams and meeting educational and professional requirements, CFA charter holders are obligated to adhere to a strict code of ethics and standards governing their professional conduct. 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. In his role with Merrill Lynch, David does not provide tax advice.
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.
A Greensboro native, JJ returned to the Triad in May 2013 to join KM & Associates at Merrill Lynch after spending four years with the Private Wealth Management Group at Goldman Sachs in Atlanta. At KM & Associates, he and his team offer high-net-worth families and individuals wealth management strategies tailored to their needs and designed to help them pursue their long-term financial objectives. His responsibilities include helping develop and implement customized portfolio and tax minimization strategies and providing estate and retirement planning services.
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. He and his wife, Jordan, also enjoy traveling and spending time with their two dogs, Brodie and Spike.
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 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 son, Matthew. Chris enjoys golf, fishing, boating and diving, and is also active in the Civil Air Patrol.
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. 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 clients and KM & Associates 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. In her spare time, she enjoys reading, yoga and traveling.
You may also benefit from the experience of a wealth management banker from Bank of America, N.A., who can provide strategic and personalized banking guidance focused on your needs. Working together, your financial advisor and wealth management banker can draw upon an expansive array of cash management, credit and other lending solutions designed to fit into your overall financial strategy and help you pursue your financial objectives. Brian W. Smith, Vice President, Wealth Management Banker, supports your financial advisor and his team. Brian has been in the financial services/banking industry since 2001 and joined Bank of America in 2007.
Brian graduated from Elon University in 2001 with a bachelor's degree in finance and accounting. He and his wife, Courtney, live in Greensboro with their two children, Connor and Aubrey. Leisure time activities include fishing, cooking and mountain biking. He also finds time to volunteer as a member of the board of The Humane Society of the Piedmont and the Martinsville Area Community Foundation.
Erick Ellsweig is registered to do business in:AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, MA, MD, ME, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, VA, WI
Jay Kirkpatrick is registered to do business in:AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, MA, MD, ME, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, VA, WI
Joseph (JJ) Marus is registered to do business in:AZ, CA, CO, CT, DC, DE, FL, GA, IL, KY, MA, MD, ME, MI, MN, NC, NJ, NM, NV, NY, OH, PA, SC, TX, VA, VT
Justin Moore is registered to do business in:AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KY, MA, MD, ME, MI, MN, MO, MS, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, VA, WI
Privacy & Security
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.
Investment products, insurance and annuity products:
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
MLPF&S and Merrill Lynch Trust Company make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest, including BofA® Global Capital Management.
Banking products are provided by Bank of America, N.A., and affiliated banks, members FDIC and wholly owned subsidiaries of BofA Corp.
Bank of America, N.A., and Merrill Lynch Life Agency Inc. are wholly owned subsidiaries of Bank of America Corporation.