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It all starts with you.
Your life. Your priorities. Our advice and guidance.

Scroll to see examples of our process.

Your dedicated financial advisor will lead you through our process:

From your very first meeting with a Merrill Lynch financial advisor, it will be clear that this is a relationship that revolves around you – focused on your life, priorities and values. You won’t be talking about the markets or returns but rather, your goals and concerns. 

Then, through our proprietary process, we’ll design a clear strategy combining your goals and risk tolerance. 

But that’s really just the beginning. After all, life moves fast, goals change and investing is always evolving. You’ll have an advisor to help guide you, making adjustments whenever needed and keeping you on track.

Understanding you

The first step is to get to know you, your feelings toward investing and financial situation.

Creating your strategy

Experience allows your advisor to build a unique strategy based on your needs.

Helping to Keep you on track

Your advisor will help guide you, making adjustments as your needs change.

Understanding

you

You'll start with an in-depth, face-to-face meeting with one of our highly-credentialed advisors.

Here are some examples of how your advisor will get to know you:

  • Learn about the life priorities
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    We've categorized people's goals into seven life priorities. Your advisor will talk to you about them to get a sense of what's most important to you.

    Rollover each one for some interesting facts to consider.

    Home

    Upsizing, downsizing or buying a vacation home.

    66%

    of first-time millennial homebuyers expect some kind of assistance from their parents1

    Health

    Managing healthcare expenses, now and in the future.

    41%

    of pre-retirees say future medical costs are their greatest financial concern.1

    Family

    Taking care of family and other people in your life.

    72%

    of parents expect one of their adult children to be long-term caretakers.1

    Leisure

    Spending your free time in meaningful ways.

    Retirees average

    7.5

    hours of leisure per day.1

    Giving

    Volunteering, mentoring others and giving to charities.

    85%

    of retirees define success in retirement as being generous rather than wealthy.1

    Work

    Working in retirement, selling or starting a business.

    70%

    of pre-retirees plan to work in retirement.1

    Finances

    Bringing it all together and defining your financial goals.

    88%

    want to save enough for financial peace of mind.1

  • See how we assess your investing mindset
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    To create a strategy that’s uniquely yours, your advisor will
    learn about your investing mindset, approach and purpose. 

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    Mindset

    Your feelings about risk and complexity can help establish the right level of risk exposure.

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    Approach

    You’ll discuss accessibility of your assets and your desired level of involvement.

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    Purpose

    A focus on essential spending needs as well as family and community-related goals.

  • View the 6 tools that bring it all together
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    Your advisor will integrate your goals with tactical considerations using
    our Discovery Apps covering a variety of topics.

     

    You and your advisor will determine which of these tools are right for you.

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    Social Security

    Taking benefits early can have an impact on Social Security.

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    Healthcare

    Potential out-of-pocket healthcare expenses now and in retirement.

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    Lifetime Income

    The impact that income, inflation and life expectancy can have on retirement.

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    Trust

    A trust can help address goals like protecting assets and providing for family.

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    Sequence of Returns

    The risk of experiencing poor market returns early in retirement.

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    Longevity

    Opportunities and challenges that come with living longer in retirement.

Creating your

strategy

Next, with the expertise of our Chief Investment Office, your advisor will provide a clear and informed point of view and strategies based on your needs – designing an approach that you’re comfortable with.

These demonstrations show how your advisor gets your strategy in motion:

Keeping you

on track

Wealth management is an ongoing process. You’ll meet with your advisor often and have in-depth annual reviews, one-on-one. You can and should revisit your goals often, course correcting as needed.

Here are some examples of how you can make adjustments and monitor your performance.

Find the right advisor for you

Our financial advisors are committed to putting your investing needs, wants and priorities first. Here’s how you can get started with an advisor:

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