The 712 Investment Group. Wealth Management

Transcription

1 The 712 Investment Group Wealth Management

2 Call or us for further information. Toll-free: Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation (BofA Corp.). Banking products are provided by Bank of America, N.A., Member FDIC and a wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity Merrill Lynch makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp. or in which BofA Corp. has a substantial economic interest, including BofA TM Global Capital Management. Merrill Lynch Life Agency Inc. is a licensed insurance agency and wholly owned subsidiary of BofA Corp.

3 The 712 Investment Group, New York City The 712 Investment Group is a multidisciplinary team of highly skilled, compassionate financial professionals with more than 100 years of combined financial services experience. Working independently dating back to the early 1980s, a formal team arrangement was made in 1996 to enhance our ability to offer personalized advice and guidance. Fast forward to 2014, and The 712 Investment Group is now entrusted with approximately $2.76 billion in client balances* for three segments of clients: 1. Families and Individuals (multigenerational families, corporate executives and small business owners) 2. Foundations and Endowments (public and private) 3. Retirement Plan Services (qualified and nonqualified plans for medium/small businesses and the self-employed) Our goal is to guide you in developing investment strategies for the many life scenarios you may face: retirement income planning, education, borrowing, philanthropy or wealth transfer issues. To deliver on our goal, we have combined the intimacy of a small boutique-like office with the investment insights of Merrill Lynch and the banking convenience of Bank of America. We are 100% referral-based and do not prospect for new clients. We believe the growth of our business is directly correlated to the satisfaction of existing clients. This allows us to dedicate all of our time to maintaining and deepening existing relationships. As part of this commitment to personalized attention, we now have offices strategically located in New York City and San Francisco. The 712 Investment Group, San Francisco *Client balances are as of May

4 Your Future Begins With a Conversation Each client is different. We build every relationship by exploring your aspirations for your lifestyle today and in the years to come. By starting with a deep understanding of the moving parts of your financial life, we believe we will be in a better position to help you develop a wealth management strategy uniquely tailored to your circumstances. We begin by listening to you. We want to know about all the concerns that can affect your family and finances in the coming months and years. Then we ask questions and present what if scenarios. Most clients have considerations that go beyond simple risk and reward with their investments. We take an overview of your entire financial life, from your wealth transfer plans to your income and total assets, to develop insightful suggestions free of emotion and tailored to your goals, time horizon, liquidity needs and risk tolerance. Wealth management is a collaborative effort, and at your request, we can work side by side with your legal, tax and other professional advisors to guide you in coordinating strategies designed to help secure your legacy for future generations. The tailored strategies we offer include a wide range of financial services: Investment and retirement income planning services Estate planning services and wealth transfer strategies Philanthropic and charitable giving strategies Education funding strategies Access, through Bank of America, to banking and lending services and to help with trusts Insurance and annuity review Most importantly, we will periodically evaluate your current investments in relation to your original goals and identify any new objectives you may have. 4

5 Flexible Strategies for Helping You Manage Wealth We have the flexibility to search both within and beyond the bounds of Merrill Lynch to bring you an expansive range of strategies to help address your wealth management needs. We understand that meeting your long-term goals means your strategies may have to evolve in line with the changes in your lifestyle and family needs, without being distracted by short-term market phases. Whether complementing your existing portfolio or building a brand new one, we can recommend a variety of investment vehicles, including a wide array of third-party providers. In addition, you can delegate to John O Neill, Jr., investment management responsibilities for your portfolios, meaning that John has discretion over certain investment decisions surrounding your investment strategy. Once we have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, we will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. Granting John 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 meet 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. Experience is something built over the years. The benefits it pays, whether you re facing an uncertain market, addressing a complex need or simply laying out a long-term strategy, are immeasurable. Richard S. Wald, CRPC MANAGING DIRECTOR WEALTH MANAGEMENT WEALTH MANAGEMENT ADVISOR 5

6 Experience, Service and a Commitment to Clients Building relationships that allow us to serve multiple generations of your family is important to us. Several relationships we have established span two or three generations of the same family, and we believe that our teamwork and dedicated work ethic are the reason clients have chosen to remain with us for decades. We see every interaction with you and your family as an opportunity to listen, learn and develop together. Teamwork is at the heart of our culture. We combine the diverse talents and resources of our large, experienced team as we help you create informed strategies to pursue your goals. When working with us, you are paired with a lead and a backup financial advisor who work collaboratively and in tandem to offer you a valuable perspective on wealth management. We take our responsibility to you and your family seriously; we seek to provide you with a pleasant, reliable experience every time you call. Our commitment to you is to provide the highest level of professionalism, responsiveness and service every time you contact us. 6

7 Helping You Make Your Philanthropic Giving More Gratifying and Impactful Your philanthropy is unique and deeply personal. It provides an opportunity to enrich your life and fulfill goals of great individual importance. For more than a decade, The 712 Investment Group has been working with internal specialists to help affluent families, foundations, charities and endowments address their charitable objectives. Whether you are in the early stages of giving back to your community, in the process of creating an enduring legacy through family philanthropy, starting a new trust or foundation, or need support for an existing program, we are equipped to help you pursue your personal charitable objectives. Working with Bank of America specialists, we can help you design and implement philanthropic strategies in a variety of areas, including: Donor-advised funds Foundations and endowments Small family foundations Large public foundations The review and update of investment policy statements, with the help of a specialist from Bank of America Merrill Lynch Global Institutional Consulting Philanthropy is about fulfilling goals of great personal importance. We can help develop strategies dedicated to pursuing your vision and create a tradition of giving. John J. O Neill Sr. MANAGING DIRECTOR WEALTH MANAGEMENT RESIDENT DIRECTOR FINANCIAL ADVISOR 7

8 Helping Meet the Needs of Retirement Plan Sponsors As an employer, you understand the critical role a well-designed retirement program can play in helping to attract and retain highly talented employees, meeting your fiduciary obligations, making the most of your business assets and assisting your employees with their retirement savings goals. With a focus on defined-contribution plans, we offer deep resources and broad experience, regardless of the size of your company. We can help you address the various facets of designing defined-benefit and defined-contribution plans, including: Needs Assessment Whether you currently have a retirement program in place or are looking to establish one, we can work with you to understand and evaluate your business requirements, and assess the various types of retirement plan programs that may be appropriate for your organization. Investment Analysis and Menu Selection We can assist you with developing methods for maintaining an investment menu and creating a review schedule for funds. Employee Communication and Education Working with Merrill Lynch financial advisors throughout the country, we can conduct enrollment meetings and offer ongoing communications and materials designed to help educate your employees about important topics such as preparing for retirement, asset allocation strategies and investment basics. 8

9 Meet the Team John J. O Neill Sr. MANAGING DIRECTOR WEALTH MANAGEMENT RESIDENT DIRECTOR FINANCIAL ADVISOR John began his career at Merrill Lynch in As the founder of The 712 Investment Group, John was a pioneer in the idea of teaming within the industry. As the financial services area was becoming more and more complicated, he believed that a team approach was the most appropriate way to service clients. It was at that point that he formed The 712 Investment Group and started bringing together our multidisciplinary team of highly skilled professionals. The vast market knowledge John brings to the team and his clients stems from his 33 years in the industry and his voracious reading of current events, changes and developments in the investment world. He focuses on trust and estate planning services for ultra-high-net-worth clients and works with a select group of individuals and families. In addition, John offers financial advice and guidance to a number of nonprofit and philanthropic organizations. John earned a bachelor s degree in business management from Pace University in New York City. He serves on the Valley Hospital s committee of financial and estate planning professionals in Ridgewood, New Jersey. Additionally, he is a mentor to young financial services professionals beginning their careers in the industry. Richard S. Wald, CRPC MANAGING DIRECTOR WEALTH MANAGEMENT WEALTH MANAGEMENT ADVISOR Richard began his career with Merrill Lynch in As a founding member of The 712 Investment Group, Richard heads the team s West Coast operation and focuses on assisting high-net-worth clients with retirement and wealth management strategies. Richard holds the Chartered Retirement Planning Counselors SM (CRPC ) designation. He was recognized by Barron s as one of the Top 1,000 Financial Advisors in He was also named to Barron s list of Top 1,200 Financial Advisors in Richard received dual bachelor s degrees in marketing management and broadcast journalism from the Newhouse School at Syracuse University. He and his wife, Jillian, live in Alamo, California, and have two daughters. Prior to joining the firm, he was a marketing analyst and associate producer for ABC News. 9

10 Travis J. O Brien SENIOR VICE PRESIDENT WEALTH MANAGEMENT FINANCIAL ADVISOR Travis joined Merrill Lynch in 1993 and was one of the original members of The 712 Investment Group. He primarily focuses on servicing the unique and complex needs of affluent individuals and families. He assists in creating customized investment strategies to help preserve and grow clients wealth over their lifetime and for future generations. Travis is a graduate of the University of Vermont with a bachelor s degree in finance. He and his wife, Kristle, live in Bedford, New York, with their three children. Brian T. Noone SENIOR VICE PRESIDENT WEALTH MANAGEMENT FINANCIAL ADVISOR Brian began his career in financial services in 1998 and joined Merrill Lynch in He understands the need for individualized strategies for affluent clients and works with them to develop strategies that fit their income and growth objectives. He also focuses on strategies designed to preserve their assets and manage risk. Brian can access the services of Bank of America Merrill Lynch Consulting Services to assist endowments and foundations in the design of their investment policy statements. He graduated from Villanova University in Pennsylvania with a bachelor s degree in finance. He volunteers with the Catholic Youth Organization by coaching basketball to children ages Brian and his wife, Jennifer, live in Manhasset, New York, with their five young children. 10

11 John J. O Neill Jr., CFP, CRPC SENIOR VICE PRESIDENT WEALTH MANAGEMENT WEALTH MANAGEMENT ADVISOR PORTFOLIO MANAGER John joined Merrill Lynch in 2002 and focuses on helping individuals and families organize their financial lives and develop strategies for pursuing their financial goals. He can also help endowments and foundations access the services of Bank of America Merrill Lynch Consulting Services to review and update their investment policy statements. Additionally, John assists small business owners and entrepreneurs with the design and implementation of their tailored retirement solutions. John earned the CERTIFIED FINANCIAL PLANNER TM certification awarded by the Certified Financial Planner Board of Standards, Inc. and holds the Chartered Retirement Planning Counselor SM (CRPC ) designation. John is also 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. John earned a bachelor s degree in business management from Providence College. He serves on the Valley Hospital s committee of financial and estate planning professionals in Ridgewood, New Jersey. 11

12 Michael B. Smyth, C(k)P, CRPC VICE PRESIDENT SENIOR FINANCIAL ADVISOR RETIREMENT BENEFITS ADVISOR Michael joined Merrill Lynch in 2002 after spending a year with a fund accounting and management group. He focuses on assisting both large corporations and small businesses with all aspects of their qualified and non-qualified retirement offerings, including operations, conversions, selection and monitoring of providers, investment selection and monitoring, and employee communication and education. Michael holds the Certified 401(k) Professional (C(k)P ) and the Chartered Retirement Planning Counselor SM (CRPC ) designation. He graduated from the National College of Ireland with a bachelor s degree in European business and languages. Daniel A. Jeffers, CFP VICE PRESIDENT WEALTH MANAGEMENT ADVISOR Daniel began his career in financial services in 2003 as an investment associate in commerce capital markets, and he joined Merrill Lynch in He helps affluent clients create individualized strategies designed to fit their income and growth objectives while preserving their assets and managing risk. Daniel is a CERTIFIED FINANCIAL PLANNER TM certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He received a bachelor s degree in philosophy and psychology from Rutgers University in New Jersey. 12

13 Michael O Neill FINANCIAL ADVISOR Michael joined Merrill Lynch in 2009 after earning a bachelor s degree in business management from Salve Regina University in Newport, Rhode Island. In addition to providing financial advice and guidance, Michael is determined to help clients pursue their investment objectives by building and managing customized wealth management strategies that incorporate the firm s research and third-party investment managers. Nessa C. Boland BUSINESS MANAGEMENT ANALYST Nessa began her career with Merrill Lynch in 1999 and joined The 712 Investment Group in Working with Richard Wald in the West Coast office, she provides support in all phases of client service and client relationship management. She focuses on the team s work flow organization, tracks its performance and helps to facilitate operational requests. Additionally, Nessa assists Michael Smyth in helping meet the needs of retirement plan sponsors and focuses on employee education and communication. Prior to joining the team, Nessa worked as the Financial Planning Specialist for Merrill Lynch s Manhattan East office. She is a graduate of Drexel University in Philadelphia and has a bachelor s degree in finance. She lives in San Francisco and volunteers her time with the International Rescue Committee and the Junior League of San Francisco. 13

14 Cheryl L. Tudor REGISTERED SENIOR CLIENT ASSOCIATE Cheryl began her career at Merrill Lynch in Her responsibilities for The 712 Investment Group include handling trade executions and transfers. Cheryl strives to offer clients the highest level of service and makes it a point to give clients her full attention, often going above and beyond to fulfill their requests, whether big or small. She earned a bachelor s degree in finance from Baruch College in New York City and lives in the city with her two young daughters, Ashley and Kayla. Eleni (Helen) S. Grous CLIENT ASSOCIATE Helen began her career at Merrill Lynch in 1985 and handles new account management, including account opening, account maintenance and reporting. She strives to offer excellent client service support and brings her experience, diplomacy and professionalism into play to help enhance and promote positive client relationships. Daniel J. Tyburski CLIENT ASSOCIATE Daniel joined Merrill Lynch in 2008 and focuses on administrative duties for The 712 Investment Group, including account opening, account maintenance and report updating. He strives to build and enhance strong client relationships and to offer a superior level of client service. Daniel earned a bachelor s degree in business from Arizona State University and now lives in New York City. 14

15 Ashley Cherry REGISTERED CLIENT ASSOCIATE Ashley joined Merrill Lynch in 2014 with over 10 years of industry experience. She currently holds the California Life and Health insurance license. Ashley brings a strong background in client service and practice management from her years of experience in investments and insurance. Ashley earned her bachelor s degree in liberal studies from California State University/East Bay. She enjoys traveling and spending time with her husband and twin boys. Jenny Chou REGISTERED SENIOR CLIENT ASSOCIATE Jenny began her career in financial services in 2006 and joined Merrill Lynch in She strives to offer excellent client service support and efficient problem solving to enhance client relationships. She earned a bachelor s degree in international business and marketing from California State Polytechnic University/ Pomona and now lives in New York City. We believe that clients deserve the highest-quality support and attention. We are proud to conduct our business based on the time-tested Merrill Lynch principles: CLIENT FOCUS TEAMWORK INTEGRITY RESPECT FOR THE INDIVIDUAL RESPONSIBLE CITIZENSHIP 15

16 The 712 Investment Group Wealth Management New York Address: 560 Lexington Avenue 2 n nd Floor New York, NY n Phone: Toll-free: n California Address: 1331 North California Boulevard Suite 700 Walnut Creek, CA n n Phone: Toll-free: n John_J_Oneill@ml.com Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Bank of America Merrill Lynch is a brand name used by several Bank of America Corporation (BAC) businesses, including, but not limited to, Global Institutional Consulting, which offers products and services for the benefit of institutional and ultra-high-net-worth clients. Global Institutional Consulting (GIC) is part of the Global Wealth and Retirement Services business of BAC. Banking and fiduciary activities are performed by wholly owned banking affiliates of BAC, including Bank of America, N.A. Both brokerage and investment advisory services are provided by wholly owned brokerage affiliates of BAC, including Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and registered investment adviser; the nature and degree of advice and assistance provided, the fees charged, and clients rights and MLPF&S s obligations will differ depending upon the products and services actually provided. Global Institutional Consultants mentioned herein are registered representatives with MLPF&S. 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. All annuity contract or rider guarantees, or annuity payout rates, are backed by the claims paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. All guarantees and benefits of an insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. 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. Barron s magazine, Feb. 19, 2013; Top 1,000 Advisors list. Advisors considered for the America s Top 1,000 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. 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. L 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 PLANNER TM in the U.S. CRPC and Chartered Retirement Planning Counselor SM are registered service marks of the College for Financial Planning Bank of America Corporation. All rights reserved. ARBGB7BN 06/2015