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: ■■ ■■ Insurance strategies intended to provide for your heirs’ financial future ■■ 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: ■■ Cash and liability management ■■ Investment strategies ■■ Retirement and benefit plan services ■■ ■■ Business continuation and succession strategies Wealth transfer strategies Through Bank of America, we can also provide you with access to credit and lending services. 4 “ 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 5 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 1 Get to know client from a demographic, financial and behavioral perspective. 1 2 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 2 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. 5 6 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: ■■ ■■ ■■ ■■ ■■ 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 7 A Broad Range of Capabilities Designed to Build and Enrich Your Financial Life n ADVICE AND PL ANNING n n n RETIREMENT n n BANKING CREDIT AND LENDING ESTATE PL ANNING SERVICES n n n n n n INVESTMENTS n n SOLUTIONS FOR BUSINESS TRACKING PROGRESS n n n n Goals-Based Wealth Management Process Education Planning Industry-Leading Research Tax Minimization Strategies Investment Personality Assessment Comprehensive Financial Planning n n n Managing Income in Retirement Managing Job Transition Planning for Retirement Health Care Expense Planning Retirement Outcome n n Everyday Cash Management Savings Products n Credit Cards Home Financing Home Equity Financing Securities-Based Financing n n Charitable Giving Insurance Private Family Foundations Trusts Donor-Advised Funds n n n Alternative Investments Concentrated Stock Services Equity and Fixed-Income Strategies Managed Account Programs Market-Linked Investments Unit Investment Trusts Closed-End Funds n n n n Liquidity & Cash Management Financing Retirement Solutions Succession Planning n n Asset Information and Measurement Client Review MyMerrill.com® Statements Wealth Outlook® Performance Online n n n n Investment Products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated. Banking Products are offered by Bank of America, N.A. 8 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. 9 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. 10 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. 11 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. 12 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. 13 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 14 I Respect for the Individual I Teamwork I Responsible Citizenship I Integrity The Hinds/Pearly Group Wealth Management One DeForest Avenue Phone: 800.701.6639 n n 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 may have tax, accounting or legal implications with their tax and legal professionals. 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. 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 Merrill Lynch and the Bull Symbol are trademarks of Bank of America Corporation. 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. MLWM-13-01235_brochureAR98FJCS 07/2014
© Copyright 2024