Eckart Wealth Management Group

Transcription

1 Eckart Wealth Maagemet Group

2 A broad rage of capabilities desiged to build ad erich your fiacial life. ADVICE AND GUIDANCE RETIREMENT BANKING SOLUTIONS FOR BUSINESS TRACKING PROGRESS CREDIT AND LENDING ESTATE GUIDANCE SERVICES INVESTMENTS Goals-based wealth maagemet process 1 Educatio fudig strategies 1 Extesive global research 1 Tax miimizatio strategies 1 Ivestmet persoality assessmet 1 Maagig icome i retiremet 1 Maagig 401(k) durig job trasitio 1 Plaig for retiremet 1 Health care expese plaig 1 Retiremet icome plaig 1 Everyday cash maagemet 2 Savigs products 2 Liquidity ad cash maagemet 2 Commercial loa fiacig 2 Retiremet solutios 1 Successio plaig 1 Asset iformatio ad measuremet 1 Cliet review 1 MyMerrill.com 1 Statemets 1 Wealth Outlook 1 Credit cards 2 Home fiacig 2 Home equity fiacig 2 Securities-based ledig 2 Charitable givig 2 Isurace ad auities 1 Private family foudatios 2 Trusts 2 Door-advised fuds 2 Alterative ivestmets 1 Cocetrated stock services 1 Equity ad fixed-icome strategies 1 Maaged accout programs 1 Market-liked ivestmets 1 Uit ivestmet trusts 1 Closed-ed fuds 1 1 Ivestmet products are offered by Merrill Lych, Pierce, Feer & Smith Icorporated. 2 Bakig products are offered by Bak of America, N.A. Merrill Lych makes available products ad services offered by Merrill Lych, Pierce, Feer & Smith Icorporated (MLPF&S) ad other subsidiaries of Bak of America Corporatio. Bakig products are provided by Bak of America, N.A., ad affiliated baks, Members FDIC ad wholly owed subsidiaries of Bak of America Corporatio (BofA Corp.). Ivestmet products: Are Not FDIC Isured Are Not Bak Guarateed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Ivestor Protectio Corporatio (SIPC) ad a wholly owed subsidiary of Bak of America Corporatio.

3 We believe there are o quick solutios, o shortcuts to help you pursue your fiacial goals. Therefore, we follow a disciplied approach to wealth maagemet. Jacob F. Eckart, CRPC FIRST VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER Our philosophy is built o three basic teets: Experiece. I-depth strategies. Maagig for risk. At the Eckart Wealth Maagemet Group, cliet relatioships are about teamwork we ad Merrill Lych s highly regarded resources work together to help cliets pursue their goals. Our objective is to be a highly resposive source of fiacial guidace. We lear all that we ca about your life, your lifestyle, your family ad your idividual fiacial eeds. We use this kowledge to help you preserve your wealth, offerig you idividualized strategies draw from our highly focused skills ad wealth maagemet process. We wat the cliets we work with to value the effort ad diligece we demostrate at each crucial poit i the process from uderstadig their fiacial eeds, to portfolio costructio, to methods for helpig create lifetime icome i retiremet. If this souds like the kid of advice ad guidace you have bee lookig for, the the Eckart Wealth Maagemet Group may be the right fit. 3

4 Our wealth maagemet process emphasizes buildig effective strategies that reflect your idividual eeds. Oe of the first thigs that cliets otice as we work together is the amout of kowledge gatherig that takes place i the iitial stages of our relatioship. I-depth coversatios ad a extesive, early review of idividual fiacial circumstaces yield a strog uderstadig of cliets eeds, both fiacial ad persoal. We do ot cofie ourselves to simply lookig at your assets ad liabilities. Just as importat, we wat to lear about your family, your iterests, your passios ad your lifestyle. Why? Because they are critical to helpig to determie your livig expeses, spedig habits ad future obligatios. Every cliet is differet. Some have a clear fiacial strategy ad we will help them implemet it. Sometimes our process requires lookig far eough forward to help cliets create a legacy for future geeratios. Or it could mea takig ito accout extraordiary icome eeded to pursue a passio or hobby i retiremet. Our goal is to completely uderstad your may fiacial eeds. 4

5 We lear as much about cliets as we ca. Doig so allows us to derive a strog sese of purpose that motivates the work we do. Mary C. Barty, CFP, CRPC WEALTH MANAGEMENT ADVISOR PORTFOLIO MANAGER We believe i the team approach, for everyoe who works with you. Addressed separately, the pieces of your fiacial life may oly realize part of their true potetial. With your permissio, we will work collaboratively with other professioals who are ivolved i your fiacial matters, such as accoutats ad estate attoreys, so that their work ad ours may be effectively itegrated. This allows us to coordiate wealth maagemet strategies as they relate to your goals. As we see it, our goal is for the umerous parts of a cliet s fiacial life to be workig well together, helpig to implemet a seamless, customized fiacial strategy. 5

6 Our approach to asset maagemet meas log-term goals should ot be udermied by market volatility. At Eckart Wealth Maagemet Group, we favor disciplied, diversified ad well thought-out fiacial strategies rather tha followig treds that go i ad out of favor. We believe this allows cliets to sped more time ejoyig their wealth ad less time worryig about shortterm market coditios. We apply our thoughtful approach to the strategies we create with you, strivig for your optimal portfolio that bleds growth ad value, as well as global diversificatio. Workig with Merrill Lych s broad, deep platform, we ca offer you a myriad of ivestmet products ad services desiged to help address your fiacial eeds. Our advisors are also part of the Ivestmet Advisory Program, which affords them the opportuity to build ad maage customized portfolios i accordace with your ivestmet objectives, log- ad short-term goals, risk tolerace, liquidity eeds ad time horizo. Discretioary portfolio maagemet elimiates your ivolvemet i day-to-day ivestmet decisios. Istead, with your permissio, our advisors will maage your portfolio, reallocatig assets ad adjustig your holdigs, as ecessary, i respose to chages i market coditios, your ivestmet objectives or fiacial circumstaces. 6

7 I the fiacial area, there is o substitute for experiece. Our teure i the busiess gives us a myriad of tools, isights ad skills to help address your eeds. Jacob F. Eckart, CRPC FIRST VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER We have developed our abilities over decades, ot years. The mere passage of time does ot create experiece. True experiece is about lessos leared ad isights garered over time. The members of the Eckart Wealth Maagemet Group brig this kid of well-seasoed skill set to cliets. We have see quite a lot i our years i the busiess. Ad the lessos have prove ivaluable. From avigatig markets, both turbulet ad boomig, we have bee there. Therefore, we emphasize a deliberate ad coservative approach to wealth maagemet. We are strog believers i diversificatio, ad, i collaboratio with your tax ad legal professioals, we ca employ tax miimizatio strategies ad estate plaig services. 7

8 We uderstad that your life evolves ad that your fiacial strategies eed to keep pace. If there is a sigle thig that our years of workig with cliets has taught us, it is that life does t stay the same. Goals chage, family situatios evolve or ew commitmets arise. We maitai regular ad steady cotact with you, to help aticipate your eeds. New coversatios may poit to a eed to adjust your strategies or simply cotiue alog the same path. Mutual uderstadig is the bottom lie. We see our relatioship with you as a call to duty. It is why we work so diligetly to be well-iformed ad isightful. 8

9 The cliets we serve have a right to expect a lot from us. Thus, we are ever dutiful to this relatioship. It s ot just about moey. It s about your plas, hopes, dreams ad goals. Jacob F. Eckart, CRPC FIRST VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER Our commitmet to cliets: Idetify their eeds through discovery ad iterviews Maitai cofidetiality of their persoal iformatio Develop appropriate wealth maagemet strategies Utilize the itellectual capital ad resources of Merrill Lych effectively Maitai regular cotact Provide isight ad support i the may parts of their fiacial lives Devote time ad diligece to developig ad maitaiig a effective fiacial strategy 9

10 Thoughtful, cosidered advice. The Eckart Wealth Maagemet Group. Jacob F. Eckart, CRPC FIRST VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER Servig the ivestmet commuity sice 1983, Jacob joied Merrill Lych i Jacob is a qualified Portfolio Maager who, i additio to providig traditioal advice ad guidace, ca help cliets pursue their objectives by buildig ad maagig his ow persoalized or defied strategies, which may icorporate idividual stocks ad bods, Merrill Lych model portfolios, ad third-party ivestmet strategies. Whe servicig cliets through the firm s Ivestmet Advisory Program, a Portfolio Maager may maage his strategies o a discretioary basis. Jacob holds the Chartered Retiremet Plaig Couselor SM (CRPC ) desigatio. He says his greatest reward comes from kowig he is helpig cliets receive customized, idividualized strategies that help them serve their fiacial ad persoal goals. Mary C. Barty, CFP, CRPC WEALTH MANAGEMENT ADVISOR PORTFOLIO MANAGER Mary joied Merrill Lych most recetly i 2008 but also worked here at the firm earlier i her career. She etered the fiacial idustry i Mary works with cliets iterested i retiremet plaig, estate plaig services ad overall wealth maagemet. Mary is a qualified Portfolio Maager who, i additio to providig traditioal advice ad guidace, ca help cliets pursue their objectives by buildig ad maagig her ow persoalized or defied strategies, which may icorporate idividual stocks ad bods, Merrill Lych model portfolios, ad third-party ivestmet strategies. Whe servicig cliets through the firm s Ivestmet Advisory Program, a Portfolio Maager may maage her strategies o a discretioary basis. Mary received her bachelor s degree i ecoomics from State Uiversity of New York at Albay ad holds the CERTIFIED FINANCIAL PLANNER desigatio awarded by the Certified Fiacial Plaer Board of Stadards, Ic. She also holds the Chartered Retiremet Plaig Couselor SM (CRPC ) desigatio. She is married ad has two childre. 10

11 Stephe W. Hiller FINANCIAL ADVISOR PORTFOLIO ADVISOR Stephe has bee with Merrill Lych sice 2011, ad has worked i the fiacial services idustry sice Stephe is a qualified Portfolio Advisor who, i additio to providig traditioal advice ad guidace, ca help cliets pursue their ivestmet objectives by recommedig idividual, or ay combiatio of, Merrill Lych or approved third- party ivestmet maagers strategies, fuds or portfolios. A graduate from Loyola Uiversity i Marylad, Stephe eared a bachelor s degree i political sciece with a mior i busiess. He curretly resides i Ceter Moriches with his wife, Chrysa, ad their two childre. Maria N. Dolecka REGISTERED CLIENT ASSOCIATE Bor i Eglad, Maria has bee i the fiacial idustry for 25 years, ad joied Merrill Lych i Amog her resposibilities are trade ad research support for the fiacial advisor team ad commuicatios with cliets. She graduated from the State Uiversity of New York with a bachelor s degree i sociology ad Eglish literature ad ow lives i East Hampto with her husbad, Arthur. Kristia A. Middel CLIENT ASSOCIATE I 2014, Kristia joied Merrill ad the Eckart Wealth Maagemet Group. She serves as a first poit of cotact for cliets, ad she prides herself o respodig to requests i a professioal, timely ad accurate maer. Beig able to help cliets with all their admiistrative eeds is importat to her, supportig the commitmet of service excellece set by the team. Kristia graduated from Stoy Brook Uiversity i New York State, with a bachelor s i busiess maagemet ad a certificate i health care policy. She lives i East Quogue, New York. 11

12 Call or ad ask us how we ca help you today. Eckart Wealth Maagemet Group 57 Hampto Road Southampto, NY Phoe: Toll-free: Website: Ivestig ivolves risk. There is always the potetial of losig moey whe you ivest i securities. Diversificatio ad asset allocatio do ot esure a profit or protect agaist a loss i decliig markets. Merrill Lych offers a broad rage of brokerage, ivestmet advisory (icludig fiacial plaig) ad other services. There are importat differeces betwee brokerage ad ivestmet advisory services, icludig the type of advice ad assistace provided, the fees charged, ad the rights ad obligatios of the parties. It is importat to uderstad the differeces, particularly whe determiig which service or services to select. Neither Merrill Lych or ay of its affiliates or fiacial advisors provide legal, tax or accoutig advice. You should cosult your legal ad/or tax advisors before makig ay fiacial decisios L Merrill Lych, MyMerrill.com, Wealth Outlook ad the Bull Symbol are trademarks of Bak of America Corporatio. Certified Fiacial Plaer Board of Stadards, Ic. ows the certificatio marks CFP ad CERTIFIED FINANCIAL PLANNER TM i the U.S. Chartered Retiremet Plaig Couselor SM ad CRPC are registered service marks of the College for Fiacial Plaig Bak of America Corporatio. All rights reserved. ARYS8TXX 04/2015