The Hinds/Pearly Group
Wealth Management
Personalized Service and Global Resources
Since 2000, The Hinds/Pearly Group has offered customized wealth management
services to affluent individuals, families, professionals, business owners and their
companies. Team members understand substantial wealth and the challenges
it entails. They seek to help reduce the complexity of your finances, so you can
spend time doing what you enjoy most.
Our team combines personalized service with the investment insights of
Merrill Lynch and the banking convenience of Bank of America. We work with
you to define your key goals and aspirations for yourself and your family. Whether
your objectives involve retirement income, funding a child’s or grandchild’s
education or wealth transfer, we create customized wealth management
strategies designed to help you pursue your dreams.
We foster client relationships that are built on a foundation of integrity, discipline
and professionalism and extend across multiple generations. We encourage your
children and grandchildren to meet with us when they are ready to undertake
the responsibility of handling money. Our hope is to be the first call you and your
family make for financial needs, both large and small. We are committed to being
there for you, listening to you and helping you create and implement strategies
to pursue your most cherished goals—today and tomorrow.
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer and member SIPC, and other subsidiaries
of Bank of America Corporation (BAC).
Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A., member FDIC and a wholly owned subsidiary of BAC.
Banking products are provided by Bank of America, N.A., member FDIC and a wholly owned subsidiary of BAC.
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 Life Agency Inc. is a licensed insurance agency and wholly owned subsidiary of BAC.
MLPF&S and Bank of America, N.A., make available investment products sponsored, managed, distributed or provided by companies that are affiliates of BAC or in which BAC has a substantial
economic interest, including BofATM Global Capital Management.
The Hinds/Pearly Group
Wealth Management
Call or e-mail us for further information.
One DeForest Avenue
Summit, NJ 07901
Phone: 800.701.6639
E-mail: [email protected]
www.fa.ml.com/hindspearly_group
Integrated Financial Services
Wealth Management Tailored to Your Needs
The wealth management we offer extends beyond investment strategies to a range of
financial services that help you prepare for your future while providing insights for today.
Individuals and Families
We are committed to helping you find a path toward your life’s goals. Looking beyond
your investable assets and liabilities, we help you define what you want out of life and
then seek ways within your financial framework to help you pursue those objectives. By
looking at the big picture, we can assist you with the various facets of your financial life.
Retirement Planning Services: We can develop strategies designed to help clients
approaching or already in retirement save for and maintain a comfortable life after
work. Using Merrill Lynch’s sophisticated retirement outcome tools, we can evaluate the
likelihood, under various market scenarios, of achieving your goals and desired lifestyle.
Wealth Transfer Strategies: A well-coordinated wealth transfer strategy can help you
preserve what you have achieved and create the legacy you desire. We can work with
your other trusted advisors and Merrill Lynch specialists to develop:
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Insurance strategies intended to
provide for your heirs’ financial future
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Strategies designed to help reduce
your estate tax liability
Philanthropic strategies that can
help you make an impact through
strategic giving
We can also provide you with access to Bank of America specialists who can assist
with trusts designed to help preserve your wealth during your lifetime and facilitate
its transfer to your heirs or to a charity you support.
Business Owners
We have the insight and perspective to assist you in addressing the challenges of running
a business. Through 401(k) and other defined-contribution plans, we can help you increase
the amount of income you can defer for retirement while providing a valuable benefit
to your employees. Our goal is to make your life simpler by helping to coordinate the
components of your business and your personal finances through such services as:
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Cash and liability management
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Investment strategies
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Retirement and benefit plan services
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Business continuation and
succession strategies
Wealth transfer strategies
Through Bank of America, we can also provide you with access to credit and lending services.
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“ We take the time to foster relationships with clients’
spouses, children and grandchildren. We have found
that financial transitions are easier when the emotional
foundation is secure and believe that getting to know
clients’ entire family helps us to better understand and
anticipate their needs.”
— The Hinds/Pearly Group
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Our Process
An Approach to Wealth Management
Based on Your Concerns and Aspirations
Going beyond balance sheets and financial statements, we begin every relationship
by exploring your goals, so that we can help you find paths toward them.
During our initial meetings, we will request relevant financial data, including
information about any liabilities, and ask such questions as: When do you plan to
retire? Are you saving for your child’s college education? How much risk are you
comfortable with? Based on your answers to these and other questions, we can help
you develop customized wealth management strategies tailored to your goals, risk
tolerance, liquidity needs and time horizon.
Goals-Based Wealth Management Process:
A robust wealth management process designed to meet client goals
A ssess Situation
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Get to know client from a demographic,
financial and behavioral perspective.
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Assess
Situation
Help client identify concerns and define
goals. Distinguish key elements of each
goal: target value, time horizon, risk
tolerance and priority.
Articulate
Needs and
Goals
5
Review
Progress
to Goals
A rticulate Needs and Goals
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3
4
Implement
Goals-Based
Solutions
Deﬁne and
Reﬁne
Approach
3
Implement Goal-Based Solutions
4
Work with client to implement goal-based
investments and strategies.
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Define and Refine Approach
Assess ability to fund goals. Run “what-if”
scenarios and, if necessary, help client
refine goals.
Review Progress to Goals
Course-correct and rebalance, as needed.
An Emphasis on Service Excellence
The Hinds/Pearly Group is dedicated to providing you with insightful
advice and guidance, bringing clarity to your financial future so that you
can focus on what is important to you in life. We are committed to:
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Spending time to get to know you and guide you through the
disciplined process that effective wealth management requires
Communicating with you often and clearly in face-to-face meetings,
through videoconferencing or by telephone or e-mail
Being readily accessible, should you have questions or wish to
discuss ideas
Educating both ourselves and you about market events and
developments in the financial field
Furthering the social and environmental well-being of our
community by volunteering with organizations that serve the region
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A Broad Range of Capabilities Designed
to Build and Enrich Your Financial Life
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ADVICE AND
PL ANNING
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RETIREMENT
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BANKING
CREDIT AND
LENDING
ESTATE PL ANNING
SERVICES
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INVESTMENTS
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SOLUTIONS FOR
BUSINESS
TRACKING
PROGRESS
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Goals-Based Wealth Management Process Education Planning
Industry-Leading Research Tax Minimization Strategies
Investment Personality Assessment Comprehensive Financial Planning
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Managing Income in Retirement Managing Job Transition
Planning for Retirement Health Care Expense Planning
Retirement Outcome
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Everyday Cash Management Savings Products
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Credit Cards Home Financing Home Equity Financing
Securities-Based Financing
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Charitable Giving Insurance Private Family Foundations
Trusts Donor-Advised Funds
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Alternative Investments Concentrated Stock Services
Equity and Fixed-Income Strategies Managed Account Programs
Market-Linked Investments Unit Investment Trusts Closed-End Funds
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Liquidity & Cash Management Financing Retirement Solutions
Succession Planning
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Asset Information and Measurement Client Review MyMerrill.com®
Statements Wealth Outlook® Performance Online
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Investment Products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated. Banking Products are offered by Bank of America, N.A.
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Get to Know Us
A Focus on Teamwork
Our team members bring to the table diverse experiences, skill sets and
professional concentrations that together form the foundation for the informed,
customized wealth management advice and guidance we provide. We
collaborate closely with one another and can, with your permission, coordinate
with your accountant, lawyer and other professional advisors to help integrate
the various aspects of your financial life, such as tax minimization, legacy
planning and life insurance.
In designing strategies to help address your specific needs and goals, we can
draw on the insights and knowledge of specialists at Merrill Lynch, such as
retirement plan specialists, to deliver support for business retirement plans; and
retirement outcome specialists, for guidance and advice on annuities and IRAs.
In addition, we can provide access to Bank of America trust specialists, to help you
pursue your wealth transfer goals, and a Bank of America Wealth Management
Banker, who can assist with a wide variety of credit and lending needs. For clients
with significant investable assets, we can also call on the services of U.S. Trust.
In all our interactions with you, we seek to provide personalized service based
on clear, proactive communication, accessibility and individual attention and
care. Each one of us is committed to answering your questions and helping
address your concerns quickly and efficiently.
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Eric J. Hinds
S E N I O R V I C E P R E S I D E N T– W E A LT H M A N A G E M E N T
W E A LT H M A N A G E M E N T A D V I S O R
RESIDENT DIREC TOR
SENIOR PORTFOLIO MANAGER
Eric began his career at Merrill Lynch in 1998 after working
for five years as a sales director for Automatic Data Processing.
A founding member of The Hinds/Pearly Group, he provides overall
leadership for the team, focusing on marketing and business growth
and developing corporate retirement plan strategies. Additionally,
he serves as Resident Director for the Summit, New Jersey, office.
Eric is a specially qualified Senior 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. Senior Portfolio Managers are
provided a high degree of flexibility in constructing portfolios
and selecting securities. When servicing clients through the
firm’s Investment Advisory Program, a Senior Portfolio Manager
may manage his strategies on a discretionary basis. After meeting
certain additional requirements, a Senior Portfolio Manager
may use his own strategies to manage the assets of other
Merrill Lynch advisors’ clients.
Eric received a Bachelor’s degree in Marketing and Finance
from Villanova University, where he played varsity soccer and
was president of the marketing society. A firm believer in the
Merrill Lynch principle of responsible citizenship, he was
awarded the prestigious Merrill Lynch David Brady Award, which
recognizes volunteerism in the community, in 2011. In 2012,
The Arc of Monmouth County New Jersey also honored Eric
for his commitment to community service.
A founding member of Hope for Children Foundation, Eric has
been the organization’s president since 2003. In addition, he is an
executive member of the Holmdel Soccer Club. He resides in Holmdel,
New Jersey, with his wife, Karen, and their three children, Eric,
Connor and Abigail. An avid soccer player, Eric also enjoys reading,
traveling, skiing and coaching his children in various sports.
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Get to Know Us
Kevin M. Pearly, CFP®, CRPC®
S E N I O R V I C E P R E S I D E N T– W E A LT H M A N A G E M E N T
W E A LT H M A N A G E M E N T A D V I S O R
SENIOR PORTFOLIO MANAGER
Kevin began his career with Merrill Lynch in 1999, forming
The Hinds/Pearly Group with Eric the following year. He is
passionate about advising and guiding clients on their wealth
management needs. Kevin assists families and individuals with
making informed decisions about the various aspects of their
financial lives and works closely with business owners to help
them develop and maintain robust retirement plans. Additionally,
he serves as a Merrill Lynch trainer and coach for newly hired
financial advisors.
Kevin is a specially qualified Senior 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. Senior Portfolio Managers are
provided a high degree of flexibility in constructing portfolios
and selecting securities. When servicing clients through the
firm’s Investment Advisory Program, a Senior Portfolio Manager
may manage his strategies on a discretionary basis. After
meeting certain additional requirements, a Senior Portfolio
Manager may use his own strategies to manage the assets
of other Merrill Lynch advisors’ clients.
Kevin graduated with a Bachelor’s degree in Finance from the
Stern School of Business at New York University. Kevin is a
CERTIFIED FINANCIAL PLANNERTM certificant, a designation
awarded by the Certified Financial Planner Board of Standards,
Inc., and has earned the Chartered Retirement Planning
CounselorSM (CRPC®) designation, awarded by the College for
Financial Planning.
Kevin is on the board of the New Jersey chapter of the Arthritis
Foundation and a volunteer with Junior Achievement, which
provides education in business, financial literacy and career
development to students in urban, rural and suburban areas.
He and his wife, Deana, live in Hoboken, New Jersey, with their
two sons, James and Alexander.
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Michael P. Fisher
FINANCIAL ADVISOR
PORTFOLIO ADVISOR
Mike joined Merrill Lynch in 2004. With a finger on the pulse
of the markets, he runs the investment side of the team’s
practice. Mike’s responsibilities include implementing the wealth
management process, analyzing accounts, conducting periodic
investment manager reviews and preparing customized proposals
and portfolio reviews for clients and prospects. Michael is a
qualified Portfolio Advisor who, in addition to providing traditional
advice and guidance, can help clients pursue their investment
objectives by recommending individual, or any combination of,
Merrill Lynch or approved third-party investment managers’
strategies, funds or portfolios.
Mike graduated from the Virginia Tech Pamplin College of
Business with a Bachelor’s degree in Marketing Management.
He lives in Manasquan, New Jersey, with his wife, Stephanie.
Away from the office, he enjoys surfing, snowboarding, running,
hiking, fishing and traveling. Mike volunteers with the Surfrider
Foundation, a nonprofit organization dedicated to the protection
and enjoyment of the world’s oceans, waves and beaches.
Laurence Haiken
S E N I O R V I C E P R E S I D E N T– W E A LT H M A N A G E M E N T
W E A LT H M A N A G E M E N T A D V I S O R
Larry has been providing financial advice and guidance since
1993, originally with J.B. Hanauer & Co. and later with Banc of
America Investment Services, Inc. He moved to Merrill Lynch
in 2005 and joined The Hinds/Pearly Group. Larry’s areas of
focus include fixed-income securities and client risk assessment.
He is a coach for Youth Lacrosse and Pop Warner Football in
Warren Township and works with special needs children at the
Autism Medical Center and Rocking Horse Rehab. He is a graduate
of Rutgers College and resides in Warren, New Jersey, with his
two children, Andrew and Jack.
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Get to Know Us
Lori Gagliano
S E N I O R R E G I S T E R E D C L I E N T A S S O C I AT E
With more than 27 years of experience at Merrill Lynch, Lori is adept at employing
the vast resources that Merrill Lynch has to offer. A primary point of contact for
clients, she is committed to delivering service that meets their highest expectations,
striving to be proactive and timely in addressing their needs. Lori is responsible for
all administrative management and is tenacious in resolving administrative issues
quickly and accurately. She also assists clients with new account opening, reporting
and trade execution.
A graduate of Montclair State University, Lori resides in Warren, New Jersey, with
her husband, Bob, and two children, Jamie and Christopher.
Patricia Fontan
C L I E N T A S S O C I AT E
R E S I D E N T D I R E C TO R ’ S A S S I S TA N T
Patty has been with Merrill Lynch since 2005. She focuses on the team’s internal
operations and processes and addresses client service issues. Her responsibilities
include account opening, establishing online accounts and credit cards, handling
fund transfers and wires, helping clients navigate Merrill Lynch products and
services and executing their instructions. Patty is committed to providing clients
with attentive, knowledgeable and personalized service. She believes that a first
impression is a lasting impression.
Patty graduated from The Rutgers School of Business with a Bachelor’s degree
in Marketing and lives in Clark, New Jersey, with her husband, Manny.
Raymond Doxey
C L I E N T A S S O C I AT E
Ray has been with Merrill Lynch since 2008 and has more than 10 years of financial
services experience. In his current role, he is responsible for client service and
administrative assistance, including help with market research. He also functions
as the team’s business manager, identifying new opportunities and helping to keep
operations smooth and efficient. Ray is dedicated to offering exemplary service,
answering questions and addressing concerns in a timely manner and helping to
enhance clients’ overall experience.
Ray holds a Bachelor’s degree in Business Management from The Richard Stockton
College of New Jersey. He resides in Tinton Falls, New Jersey, with his wife, Nichole,
and their twins, Camryn and Tanner.
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Our commitment to you
The Hinds/Pearly Group is dedicated to providing an outstanding wealth management
experience. Helping clients pursue their goals is our motivation and the inspiration for
what we do.
We are proud to conduct our practice according to the time-tested principles articulated
by Merrill Lynch’s founder, Charles E. Merrill, in 1914:
Client Focus
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I
Respect for the Individual
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Teamwork
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Responsible Citizenship
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Integrity
The Hinds/Pearly Group
Wealth Management
One DeForest Avenue
Phone: 800.701.6639
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Summit, NJ 07901
E-mail: [email protected]
www.fa.ml.com/hindspearly_group
Investing involves risk. There is always the potential of losing money when you invest in securities.
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.
Neither Merrill Lynch nor its financial advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that
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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.
U.S. Trust operates through Bank of America, N.A.
The David Brady Award recognizes Merrill Lynch Global Wealth Management employees who exemplify commitment to clients, colleagues and
their community; have been with the Firm for at least three years; and have demonstrated success in collaborating with other Bank of America
Corporation businesses to leverage capabilities of the entire enterprise for the client’s benefit.
L-06-14
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CERTIFIED FINANCIAL PLANNERTM and CFP® are certification marks owned by Certified Financial Planner Board of Standards, Inc., and are awarded to individuals who successfully complete
CFP Board’s initial and ongoing certification requirements.
Chartered Retirement Planning Counselor and CRPC are registered service marks of the College for Financial Planning.
© 2014 Bank of America Corporation. All rights reserved.
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07/2014