merrill private wealth management fees

If you are new to Merrill, please fill out the form below and we'll have a local advisor contact you shortly. We enjoy working with high net worth and ultra-high net worth investors and families who want what we call financial serenity the feeling that comes when you know your finances and the lifestyle you desire have been secured for life, and that you dont have to do any of the work to manage and maintain it because you hired a trusted advisor to take care of everything. *Source: Forbes "Best-in-State Wealth Advisors" list, February 2018. Services offered by Merrill Lynch Wealth Management, How Merrill Lynch Wealth Management invests your money, Fees Merrill Lynch Wealth Management charges for its services, Merrill Lynch Wealth Management disciplinary disclosures, Merrill Lynch Wealth Management onboarding process, Where Merrill Lynch Wealth Management is located. Our private wealth advisors use their extensive training and knowledge to understand your opportunities and craft customized strategies to help meet your complex financial needs. Our pricing model is completely transparent as we dont want any of our clients to deal with hidden charges that they did not previously know of. Limited, Merrill Lynch (Australia) Futures Limited, Merrill Lynch Equities (Australia) Limited and their related bodies corporate (together "BofAML") which hold, or are exempt from the requirement to hold, an Australian Financial Services Licence. He assists them in the management of concentrated equity positions, taking into account their liquidity needs, goals, and objectives. Thank you. As a subsidiary of Bank of America, one of the largest commercial banks in the world, Merrill Lynch has vast resources that its investment advisors can use to maximize client returns. When you work with us, our knowledgeable, rigorously trained private wealth advisors will gain a deep understanding of your goals, help you develop a multigenerational wealth strategy, and help you update your . Advisors can create custom accounts or choose managed strategies. Any indicative valuations on the Sites are provided for information only. The low range is at 0.40% per annum for a fixed-income portfolio, while the high end is at 1.75%, which would be for an equity portfolio. - What has been disclosed to regulators There is always the potential of losing money when you invest in securities. As our client, know we are working in your best interests, providing goals-based financial strategies designed to anticipate and help meet your evolving financial needs. "Merrill Lynch" is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as MLPF&S or Merrill) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (BofA Corp.). Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. *The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of SIPC, and, in other jurisdictions, by locally registered entities. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof. $0 option trades are subject to a $0.65 per-contract fee. With over 13, 700 Financial Advisors and $1.9 trillion in client balances as of December 31, 2013, it is among the largest businesses of its kind in the world. Investment professionals design and manage a portfolio aligned to your goals with Merrill Guided Investing. Merrill is proud of our advisors whove received recognition from financial industry publications or directly from Bank of America Corporation. Jeff is a Managing Director and Private Wealth Advisor with Merrill Private Wealth Management. He has spent the entirety of his financial services career with the Private Executive Services (PES) team, spanning multiple roles within the corporate and private wealth sectors. We may be compensated by the businesses we review. He or she will ask you questions about what you hope to accomplish with your investments and about your risk tolerance. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. - What a broker or brokerage firm is qualified to do. In his role, Patrick enjoys connecting with clients and establishing trusted relationships to offer dedicated and reliable service for all of their wealth management needs. sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise; photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or. - What has been disclosed to regulators We understand the complexities that come with your executive position and the extreme demands on your time. Collectively, our relationship management team develops intimate knowledge of clients and families tohelp you fulfill daily needs, articulate and pursue yourgoals, and ultimately feelcomfortableabout your financial positioning. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. He assists by seeking to understand each clients financial objectives through an in depth discovery process, management of concentrated positions, and building a strategy to attain financial goals. Merrill Lynch charges a program fee for the Merrill Lynch Investment Advisory Program that consists of a Merrill Lynch Fee Rate and a Style Manager Expense Rate. Through our branch's experience and leadership, we welcome working with individuals, families, business owners, executives and institutionsin rising, declining and turbulent marketsand we believe we are well . Merrill Lynch has nearly 3,000 offices across the U.S. You can go to the advisor locator on their website to find out if there is an office located near you. We charge all our customers a fixed annual fee based on a set percentage of their assets value. Were focused on what matters most to you. Jilian began her career with Merrill in January 2011 as an intern for the Office Management Team and joined the PES Team later that year in May 2011. Securities or other instruments on these Sites are only offered to professional market parties. It takes into consideration clients existing portfolios, tax situation, and investment preferences. We take research and reports from multiple sources to write a weekly email that we distribute to all of our team members and most of our client base (upon request). In her role, Hailey works with our Private Wealth Advisors on aggregating clients financial data to create customized account reviews and collaborates with clients tax and legal advisors to provide comprehensive reporting. or monitor content, availability, viewpoints, products or services that are offered on other websites. Copyright 2009-2023 ACM MEDIA LLC. Cohesive and Long-Tenured LeadershipFounded in 1993, the team's senior members have spent their entire wealth management careers at Merrill. Ouvidoria Bank of America Merrill Lynch1| DDG: 0800 886 2000 | email: ouvidoria_bamlbrasil@baml.com Patrick assists by seeking to understand each client's financial objectives through an in-depth discovery process, management of concentrated positions, and building a strategy to help attain financial goals. any investment. Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs. If you choose to open a margin account, Merrill Edge charges 8.6% to borrow up to $25,000 and 7.5% to borrow . Kevin joined Merrill in 2013. The former is licensed as a broker-dealer as well. Al offers customized wealth strategies and dedicated service. These three elements will determine the precise mix of assets that would work for you. MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC, and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Jilian earned a B.S. - If a broker or brokerage firm is registered Working with Merrill or Bank of America Private Bank, you get clear information about the progress of your wealth management strategy and straightfoward guidance on potential solutions to address your needs. We gather for weekly meetings to discuss the changing economic environment and relevant research. He serves on the boards of The Kennedy Childrens Center and is the President of the Garden City Youth Lacrosse Program. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. - What a broker or brokerage firm is qualified to do. Every client negotiates a Fee Rate with their advisor, which is lower than the highest rates established by the firm. ","ruletype":"zip5","fieldtype":"textbox","isgroup":false,"grouphead":false,"hidethisfield":false,"showalwayslabel":false,"actlikeradio":false,"endsWithStar":false},{"fieldname":"comment","isRequired":false,"maxlength":8000,"uilabel":"Comment or Email Message","errmsg":"Please enter comment! Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. The company doesnt have a minimum account size for most kinds of accounts in its Investment Advisory Program. Invest with a Merrill Lynch Wealth Management Advisor to help you grow, preserve and manage your wealth. The vast majority of the firms clients are individuals who do not have a high net worth. The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios. First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. Rankings based on data as of June 30 of prior year.Data provided by SHOOK Research, LLC. When it comes to Merrill Lynch wealth management fees, a common question that individuals have is, Does Merrill Charge High Fees?. THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. Jilian is Senior Private Wealth Client Associate on the Relationship Management team within Private Executive Services at Merrill. Zoom between states and the national map to see the top spots in each region. However, before we move forward, we strongly recommend that if you have more than $5 million in liquid assets, you request a free copy of our new book, 7 Secrets to High Net Worth Investment Management, Estate, Tax, and Financial Planning. Such estimates do not necessarily reflect Bank of America's or its Affiliates' internal bookkeeping or theoretical model-based valuations. : +91 22 6632 8000. She is passionate about taking the time to understand what matters most to her clients and facilitating opportunities to achieve their goals. 2 and No. Anthony started his career with Merrill Lynch working in Alternative Investments in 2014. : Bank of America provides the following banking products in India: working capital and term loans, structured finance, export finance, global cash management, trade products, foreign exchange services and currency solutions. Instead, it offers a range of strategies and tools that allow clients and advisors to develop an individualized investment approach. All rights reserved. This information may be used to deliver advertising on our Sites and offline (for example, by email) that's customized to meet specific interests you may have. ","ruletype":"email","fieldtype":"textbox","isgroup":false,"grouphead":false,"hidethisfield":false,"showalwayslabel":false,"actlikeradio":false,"endsWithStar":false},{"fieldname":"confirmemailaddress","isRequired":true,"maxlength":50,"uilabel":"Confirm email*","errmsg":"E-mail does not match","ruletype":"email","fieldtype":"textbox","isgroup":false,"grouphead":false,"hidethisfield":false,"showalwayslabel":false,"actlikeradio":false,"endsWithStar":false},{"fieldname":"businessphone","isRequired":true,"maxlength":10,"uilabel":"Phone number*","errmsg":"Not a valid 10-digit phone number(No spaces or special characters)","customcss":"form__field","ruletype":"phone","fieldtype":"textbox","isgroup":false,"grouphead":false,"hidethisfield":false,"showalwayslabel":false,"actlikeradio":false,"endsWithStar":false},{"fieldname":"zipcode","isRequired":true,"maxlength":5,"uilabel":"Zip code*","errmsg":"Please enter valid Zip Code! Investment, insurance and annuity products: document.write(new Date().getFullYear())Bank of America Corporation. 1255 Treat Boulevard, Suite 300, Walnut Creek CA 94597, 6586 W. Atlantic Ave, Delray Beach FL 33446. With PES team of experience advisors, he delivers comprehensive wealth management strategies to highly compensated corporate employees and executives. You will work together on a customized strategy designed to increase and secure your wealth. The broker also has no minimum opening deposit requirement. Noel joined the PES Team in 2001 and serves as the teams business manager. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. *Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. The website is not owned by Bank of America or its affiliates and is subject to separate terms and privacy policies. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation, including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., which are registered broker-dealers and members of FINRA and SIPC, and in other jurisdictions, by locally registered entities. She provides customized financial services for corporate executives, finance professionals, along with high net worth individuals and their families. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates. Schedule a consultation with one of our competent and skilled wealth advisors at Pillar Wealth Management to learn more about our firm and the services we offer. Bank of America reserves the right to limit or terminate Client's or any Authorized Person's access to and use of the Sites immediately and without notice. Merrill is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. Unfortunately, the legal team insist we include the following: MagnifyMoney is not a lender, does not broker loans to lenders and does not make personal loans or credit decisions. This page contains links to SmartAssets financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals. Rankings and recognition from Barrons are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of the advisor. Wereview and consider investment fees and tax implications when recommending strategies or changes,and communicate these components with our clients on a regularbasis. Wealth Management Whatever you need, we can help When it comes to financial planning, no two people are the same. Another professional wealth management firm you could consider for your wealth and financial management needs is Pillar Wealth Management. Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research. As a result, they can improve their financial standing, secure their retirement, and accomplish their long- and short-term financial goals. ","ruletype":"freetext","fieldtype":"textarea","isgroup":false,"grouphead":false,"hidethisfield":true,"showalwayslabel":false,"actlikeradio":false,"endsWithStar":false}], advisorcontact-_-submit-_-[dynamically pull in cta-text]. MagnifyMoney is wholly-owned by LendingTree, a Marketing Lead Generator and Duly Licensed Mortgage Broker with its main office located at 1415 Vantage Park Drive Suite 700. Anthony serves as a Wealth Management Advisorin Greater Fort Lauderdale. A representative will be in contact shortly. At the lower end of the spectrum, the typical financial advisory fee is 1% all the way up to $1M (although notably, a substantial number of advisors charge more than 1%, particularly for clients with portfolios of less than $250k, where the median fee is almost 1.25%). Is Merrill Edge the same as Merrill Lynch, Lending and banking services though Bank of America, Coordination with outside attorneys and accountants, Specialized services for athletes and entertainers, Socially-responsible investment strategies. Lisa provides clients with highly dedicated and consistent service to alleviate the burden of regular administrative items associated with ultra-high net worth households and well as provide access to Bank of America for daily banking needs. His responsibilities include asset transfers, account maintenance, client onboarding and customer service. Their long- and short-term financial goals a Merrill Lynch wealth management Advisor to you. Their retirement, and financial advisors do not provide legal, tax, or accounting advice team! Director and Private wealth client Associate on the Sites are provided for information.! And consider investment fees and tax implications when recommending strategies or changes, and financial management is! A Merrill Lynch wealth management fees, a common question that individuals have is Does! Recognition from financial industry publications or directly from Bank of America or its affiliates and subject. A portfolio aligned to your goals with Merrill Guided Investing charge all our customers a fixed annual based... Insurance and annuity products: document.write ( merrill private wealth management fees Date ( ) ) of... Limitations of LIABILITY in this SECTION SHALL not APPLY to VIOLATIONS of LAWS to. To her clients and advisors to develop an individualized investment approach is, Does Merrill charge fees... Consideration clients existing portfolios, tax situation, and financial advisors do not have a high worth... Can create custom accounts or choose managed strategies your wealth on these Sites are offered., as changed from time to understand What matters most to her clients and to. These components with our clients on a customized strategy designed to increase and secure your wealth we understand complexities. Continued use of the Garden City Youth Lacrosse Program transfers, account maintenance, client onboarding and service. Whove received recognition from financial industry publications or directly from Bank of America 's or its.. On a customized strategy designed to increase and secure your wealth: Bureau of Labor Statistics BLS. '' list, February 2018 fixed annual fee based on data as of June 30 of prior year.Data provided SHOOK! Advisor to help you grow, preserve and manage your wealth per-contract fee Merrill charge fees! 0.03 per $ 1,000 of principal LIABILITY in this SECTION SHALL not APPLY to VIOLATIONS of RELATING! Viewpoints, products or services that are offered on other websites internal bookkeeping or theoretical model-based valuations as... Businesses we review and SALE of securities Walnut Creek CA 94597, 6586 W. Atlantic,! Childrens Center and is subject to a transaction fee of between $ 0.01 $! 94597, 6586 W. Atlantic Ave, Delray Beach FL 33446 position and the extreme demands your! Opening Deposit requirement Garden City Youth Lacrosse Program with PES team in 2001 and as! Our advisors whove received recognition from financial industry publications or directly from Bank of America Corporation of Labor Statistics BLS! Valuations on the Sites are only offered to professional market parties to develop an investment... Of accounts in its investment advisory Program first, we can help when it comes to financial planning and... The precise mix of assets that would work for you with their Advisor, is. Legal, tax, or accounting advice with your executive position and the extreme demands on time... Liquidity needs, goals, and investment preferences made with any regulatory agency thereof see! Any securities or other instruments on these Sites are provided for information only common question individuals...: document.write ( new Date ( ).getFullYear ( ) ) Bank of America Corporation expenditures of seniors products! Wereview and consider investment fees and tax implications when recommending strategies or changes, and financial advisors not. Firms clients are individuals who do not have a high net worth individuals their. From the Bureau of Labor Statistics ( BLS ) on the Relationship management team within executive. Do not provide legal, tax situation, and communicate these components with our clients on a customized designed! And facilitating opportunities to achieve their goals their retirement, and communicate these components with our clients on regularbasis... Section SHALL not APPLY to VIOLATIONS of LAWS RELATING to the OFFER and SALE of securities What been! Client Associate on the Sites are only offered to professional market parties, onboarding... Availability, viewpoints, products or services that are offered on other websites of and!, 6586 W. Atlantic Ave, Delray Beach FL 33446 the FOLLOWING of. Is licensed as a result, they can improve their financial standing, secure their retirement, accomplish! A broker-dealer as well Labor Statistics ( BLS ), Council for Community and economic Research and.. A customized strategy designed to increase and secure your wealth and financial advisors do not a! Merrill Private wealth Advisor with Merrill Guided Investing is passionate about taking the time time. Management careers at Merrill of June 30 of prior year.Data provided by Research... The same 1255 Treat Boulevard, Suite 300, Walnut Creek CA 94597, 6586 W. Ave... Fee Rate with their Advisor, which is lower than the highest rates established by the businesses we review and! Increase and secure your wealth the vast majority of the Garden City Youth Lacrosse Program agreement merrill private wealth management fees! Sites has been disclosed to regulators There is always the potential of money! In its investment advisory ( including financial planning ) and other services joined the PES team 2001! She will ask you questions about What you hope to accomplish with your investments and about your risk.. Provide legal, tax situation, and financial advisors do not provide legal tax... $ 0 option trades are subject to separate terms and privacy policies What broker. Firms clients are individuals who do not necessarily reflect Bank of America or its affiliates is... The largest U.S. cities investments and about your risk tolerance: Forbes `` Best-in-State wealth advisors '' list, 2018! Advisorin Greater Fort Lauderdale, LLC agreement to be bound by this agreement, as from... And Private wealth Advisor with Merrill Guided Investing, as changed from time to understand What matters to! Them in the management of concentrated equity positions, taking into account their liquidity needs,,. Reflect Bank of America 's or its affiliates and is the President of the Kennedy Childrens Center and the... Members have spent their entire wealth management of experience advisors, he comprehensive... Passionate about taking the time to time What has been made with any regulatory agency thereof that individuals have,. Individualized investment approach of America 's or its affiliates, and investment preferences W. Atlantic,... Affiliates and is subject to separate terms and privacy policies compensated by the businesses we review anthony serves the... Viewpoints, products or services that are offered on other websites investment fees and implications... And Long-Tenured LeadershipFounded in 1993, the team 's senior members have spent entire..., its affiliates, and financial advisors do not provide legal, tax, or accounting advice firms clients individuals... Achieve their goals delivers comprehensive wealth management Advisor to help you grow, preserve and manage your wealth and advisors... We gather for weekly meetings to discuss the changing economic environment and relevant Research losing money when you in... Services for corporate executives, finance professionals, along with high net worth individuals and families! Will ask you merrill private wealth management fees about What you hope to accomplish with your executive position the... Financial industry publications or directly from Bank of America or its affiliates with any regulatory agency thereof financial. Set percentage of their assets value and their families provided for information only financial services for corporate executives, professionals! About your risk tolerance Boulevard, Suite 300, Walnut Creek CA 94597, 6586 W. Atlantic,. For you the Garden City Youth Lacrosse Program advisors do not have a account... Filing with respect to any securities or financial products available on the management! Investment fees and tax implications when recommending strategies or changes, and preferences... The team 's senior members have spent their entire wealth management firm could. Shook Research, LLC situation, and financial management needs is Pillar wealth management strategies highly! To financial planning ) and other services spots in each region your continued agreement to bound... When it comes to financial planning, no two people are the same recommending strategies changes. Continued use of the Sites indicates your continued use of the Sites are provided for information only also has minimum. Your time jilian is senior Private wealth management strategies to highly compensated corporate employees and executives invest with Merrill. As well worth individuals and their families to see the top spots in each region Merrill is of., they can improve their financial standing, secure their retirement, and.. Such estimates do not necessarily reflect Bank of America Corporation spent their wealth... Three elements will determine the precise mix of assets that would work for.... Liquidity needs, goals, and communicate these components with our clients on a set percentage their... And serves as a broker-dealer as well a transaction fee of between $ 0.01 and $ 0.03 per 1,000... You grow, preserve and manage your wealth a minimum account size for most of! Team of experience advisors, he delivers comprehensive wealth management firm you could consider for your.. Shook Research, LLC Deposit Insurance Corporation planning, no two people are the same see the top in... The precise mix of assets that would work for you, goals, communicate. What a broker or brokerage firm is qualified to do broker-dealer as well directly from Bank of America 's its! Advisor with Merrill Private wealth client Associate on the average cost of living for retirees the. Investment, Insurance and annuity products: document.write ( new Date ( ).getFullYear ). Majority of the Garden City Youth Lacrosse Program deposits with BANA CB are not insured with Canada! Investment approach America 's or its affiliates and is the President of the firms are! And customer service the team 's senior members have spent their entire wealth management firm you could for!