Our Brochure

Nearing Wealth Management
Merrill Lynch Building
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2301 South East Monterey Road
Toll-free: 877.321.6708
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Nearing Wealth Management
Stuart, FL 34996
Fax: 772.905.3063
www.fa.ml.com/gordon_nearing
Commitment
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Compassion
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Communication
Gordon R. Nearing , CFP®, CIMA®
Shannon M. Murphy
Senior Vice President–Wealth Management
Wealth Management Advisor
Portfolio Manager, PIA Program
Registered Senior Client Associate
Phone: 772.223.6712
[email protected]
Phone: 772.223.6708
[email protected]
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Rebalancing may trigger a tax event.
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Probabilistic (Monte Carlo) modeling is a statistical modeling technique in which a set of future outcomes are forecasted based on the variability or randomness associated with historical
occurrences. A probabilistic approach may be used to determine the likelihood that you may be able to achieve your stated goals and to identify a range of potential wealth outcomes
that could be realized. It involves generating thousands of scenarios, each simulating the growth of assets over a specified period of time, taking into account a variety of factors, such as
economic conditions, the allocation of assets, portfolio value, cash flow and market volatility. The analysis presented is not a guarantee, prediction or projection of any particular result
and your actual results may vary materially. Rather, this analysis is directional in nature and can be used to help you evaluate how certain decisions or strategies may impact your ability to
achieve your goals.
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L-05-14
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© 2014 Bank of America Corporation. All rights reserved.
MLWM-14-02312_brochure
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05/2014
Nearing Wealth Management
Thank you for your interest in Nearing Wealth Management. For more than 30 years, I’ve
=een Irovi?ing un?erstan?a=le an? insightful §nan>ial a?vi>e an? investment gui?an>e
to in?ivi?uals an? families a>ross the >ountry. #a>h ?ay, I am reNar?e? =y NorDing Nith
Merrill Lynch Building
2301 South East Monterey Road
Phone: 772.223.6712
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Stuart, FL 34996
Toll-free: 877.321.6708
E-mail: [email protected]
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IeoIle a=out Nhom I genuinely >are, helIing them ?eveloI Nealth management strategies
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?esigne? to helI them turn their §nan>ial asIirations into reality.
Fax: 772.905.3063
www.fa.ml.com/gordon_nearing
0o?ay, managing Nealth Nithout Irofessional insight >an =e =oth >omIli>ate? an? time
>onsuming. I truly =elieve you >an =ene§t from IersonaliQe? Nealth management that is
based on your needs and priorities, and those of your family. Your overall strategy—and
your investment portfolio—should be based on Nhat is important to your family’s
§nan>ial future.
My ability to serve people, along Nith my interest in investing and Nealth management,
Nas engendered during my time at the 1niversity of Wennsylvania’s Wharton />hool of
usiness, Nhere I maCored in #>onomi>s and Woliti>al />ien>e. I studied international
§nan>e in graduate s>hool and earned tNo professional >redentials as I built my pra>ti>e.
0his >ombination of advan>ed edu>ation, eSperien>e and §nan>ial sDills, >ombined Nith
my genuine >ompassion for people, enables me to provide multidimensional value and
personaliQed servi>e.
Many >lients have been Nith me for a number of years. .uite freJuently, I NorD Nith tNo
or three generations of a family. That is gratifying to me, as one of my goals is to nurture
>lient relationships for the long term, and to o¦er professional advi>e, guidan>e and servi>e
that is valued by the families Nith Nhom I NorD.
I Nel>ome the opportunity to serve you and assist you in ful§lling your family’s
§nan>ial goals.
— Gordon R. Nearing, CFP®, CIMA®
SENIOR VICE PRESIDENT–WEALTH MANAGEMENT
WEALTH MANAGEMENT ADVISOR
PORTFOLIO MANAGER, PIA PROGRAM
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of
America Corporation.
Banking products are provided by Bank of America, N.A. and affiliated banks, members FDIC and wholly owned subsidiaries of Bank of America Corporation.
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
MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of Bank of America Corporation. Merrill Lynch Life Agency Inc. is a licensed insurance
agency and a wholly owned subsidiary of Bank of America Corporation.
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Core Areas: What I Do
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Cash flow analysis
Investment strategy and
As your Wealth Management Advisor, I respe>t that you looD to me for advi>e and guidan>e
Alignment of spending, resources and goals
risk-based allocation
on matters that deeply a¦e>t you and your family, and I frame your longterm strategy
Monte Carlo simulations/probabilistic modeling
Wealth accumulation and preservation
around your goals for both.
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Tax minimizaion strategies
Wealth management
Education funding
Net worth and balance sheet analysis
Indexing/cost-eØective strategies
Projected return and expected risk analysis
Setting priorities
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Access to trust and estate planning
Exchange-traded funds (ETFs)
Multiple asset class investing
Intergenerational wealth transfers
Oversight and disciplined rebalancing
Documents and strategy analysis
Revocable and irrevocable trusts
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Philanthropic donor services
IRAs, Roth IRAs and conversions
Extended capabilities
Plan distribution strategies and “stretch
IRAs” Annuities
Alternative investments
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Credit and lending through
Bank of America
Securities-based lending
Structured Ùnancing
Relationships matter a great deal to me, and I Nant you to feel as if I >are about you as
mu>h as your oNn family. The eStent to Nhi>h I develop a >lose NorDing relationship Nith
you alloNs my team to apply our sDills, eSperien>e and Nisdom to your spe>i§> situation.
Your financial life is multidimensional, and I base my NorD Nith you on the belief that your
§nan>ial >ir>umstan>es are uniJue. I Nant to understand hoN you thinD about Nealth and the
role it plays in your life today—and in the future.
My team and I are guided by the prin>iples of commitment, compassion and communication.
Retirement income strategies
Pre- and post-retirement income analysis
Concentrated stock position strategies
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Investment management
Fee-based management
services through Bank of America
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About Nearing Wealth Management: Who I Am
Sudden wealth events/major
life transitions
Sale of business
Inheritance
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— Gordon R. Nearing, CFP®, CIMA®
SENIOR VICE PRESIDENT–WEALTH MANAGEMENT
WEALTH MANAGEMENT ADVISOR
PORTFOLIO MANAGER, PIA PROGRAM
Divorce
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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Method and Process: Strategy
Approach and Process: Investment Strategy
"eveloping a sound Nealth management strategy is a pro>ess. It is dynami> and ongoing.
Your investments are the me>hanism to implement your Nealth management strategy. I
s a pra>ti>al matter, your Nealth management strategy should address these Juestions
am dis>iplined in my approa>h to investing and folloN prin>iples to help you stru>ture
What are you trying to a>>omplish What are your >urrent resour>es that Ne >an use to
your portfolio and re>ommend investments for you.
help meet your obCe>tives
A Starting Point: Important First Questions
/tep one is to understand your >urrent >ir>umstan>es, your >on>erns and dreams,
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I strive to maximizeQEBMOL?>?FIFQVLCJBBQFKDVLROILKD
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and hoN you de§ne su>>ess. y forming a genuine relationship Nith you, I >an
apply a Nellde§ned, holisti> approa>h to >reating a >ustomiQed Nealth
management strategy.
Risk tolerance is about balan>ing the ambitions you have for your portfolio versus the risD
you are Nilling to taDe to pursue them. It’s a negotiation betNeen your goals, liJuidity
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&oN mu>h in>ome do you need, noN and in retirement, for the lifestyle you desire
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What assets do you oNn noN and Nhy do you oNn them
needs, time horiQon, >urrent and eSpe>ted life situations, and your §nan>ial resour>es. s
you assess Nhether a parti>ular allo>ation is too risDy or not risDy enough for you, taDing
into >onsideration the liDelihood of moving toNard your goals Nithin a given time frame, I
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re you >on>erned about hoN long your investment assets Nill last
>an assist you in re>on>iling the risDreturn tradeo¦.
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What are your liabilities "o you fa>e any investmentrelated taS issues
Asset allocation—apportioning your investment assets a>ross >lasses sto>Ds, bonds and
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"o you anti>ipate any maCor eSpenditures &ave you >onsidered future health >are
>osts or maCor life events
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If you oNn a business, do you have a su>>ession plan
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"o you need to >onsider strategies for transferring Nealth to the neSt generation
>ash—is a >riti>al driver of portfolio performan>e. Your spe>i§> allo>ation depends on
su>h fa>tors as risD toleran>e, return obCe>tives, >ash ¨oN needs, taS situation and time
horiQon. While I may o>>asionally re>ommend ta>ti>al allo>ation shi«s based on marDet
>ir>umstan>es, I stringently adhere to our agreedupon revieN >y>le typi>ally annually
or as your situation may Narrant to eSamine any >hanges in the marDet and your life to
determine if rebalan>ing is needed. It is a >ru>ial >omponent of my servi>e, and helps to
Deep your allo>ation and risD aligned Nith your strategy and obCe>tives.
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Critical Next Steps
Diversification is a risD management te>hniJue that helps avoid overeSposure to one asset
In order to get a >omplete pi>ture of your goals and priorities and a more indepth
>lasses and to diversify Nithin the >lasses, as Nell. The aim is to o¦set doNnside risD and
understanding of your >ir>umstan>es, it is important to have detailed >onversations Nith
marDet volatility. "iversi§>ation may also help you to taDe advantage of opportunities
your family members. In order to a>hieve this, I Nill
in undervalued asset >lasses, and potentially >an help smooth out the return pattern of
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XevieN in>ome, taS information and eSisting Nealth transfer plans
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"is>uss >ash ¨oN and spending patterns
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"o a thorough revieN of your investment assets and your liabilities
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%ather and analyQe other pertinent §nan>ial information
>lass or industry se>tor. I strive to help you allo>ate your investments a>ross multiple asset
your portfolio.
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Approach and Process: Investment Selection
Meet My Team
Investment Universe
Gordon R. Nearing, CFP®, CIMA®
I predominantly use indeSbased eS>hangetraded funds #TFs to help you implement your
investment strategy be>ause, over time, a maCority of a>tively managed mutual funds and
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
PORTFOLIO MANAGER, PIA PROGRAM
separately managed a>>ounts /Ms do not >onsistently outperform the indeS ben>hmarDs
I assist aÜuent individuals and families with all aspects of wealth
against Nhi>h they are measured. Furthermore, there is little predi>tability as to Nhi>h
management, including individualized strategies designed to build,
funds or thirdparty managers may outperform their indi>es in the future.
preserve and transfer their personal wealth. The most crucial
These ideas reinfor>e my fundamental belief that asset allo>ation is the most important
determinant in your investment performan>e, Nhi>h, over time, plays a signi§>ant role
in helping you maDe progress toNard your longterm goals. My eSperien>e is that asset
allo>ation is the driver and hoN your investment >apital is spread a>ross asset >lasses
outNeighs the individual investment vehi>le.
component of my service is gaining a deep understanding of
my clients. I joined Merrill Lynch in 2009 with over 30 years of
experience in the Ùnancial services industry, aÝer having earned
my Bachelor’s degree in Economics and Political Science from
The University of Pennsylvania Wharton School of Business in
Philadelphia, Pennsylvania. While working in banking, I went on to
I may re>ommend using mutual funds, alternative investments or thirdparty managers to
earn an MBA in International Finance from Georgia State University
>omplement #TFs in a portfolio if >ir>umstan>es Narrant. Most o«en, this happens Nhen
in Atlanta, Georgia.
suitable indeS #TFs are not available in spe>i§> asset >ategories or industry groups.
I am a CERTIFIED FINANCIAL PLANNERTM certiÙcant, a designation
Communication
awarded by the CertiÙed Financial Planner Board of Standards, Inc.,
and hold the CertiÙed Investment Management Analyst® (CIMA®)
I typi>ally >ommuni>ate Nith >lients at least on>e a month—more o«en if >ir>umstan>es
designation, awarded by the Investment Management Consultants
Narrant. I also usually have a more indepth >onversation semiannually to dis>uss any
Association, Inc. As a Portfolio Manager within the Merrill Lynch
>hanges in your personal >ir>umstan>es or goals, risD toleran>e, time horiQon, liJuidity
Personal Investment Advisory® (PIA) Program, I can manage
needs, and to revieN your portfolio allo>ations.
customized investment strategies and implement proprietary model
portfolios, as well as provide traditional advice and guidance.
Research
Information is indispensable to the Nealth management pro>ess. I use that information
to improve my DnoNledge and perspe>tive on Norld events, global e>onomi>s and >apital
marDets, in general, and integrated strategies for my >lients, in parti>ular. The information
and DnoNledge help me to impart eSperien>e and Nisdom to your overall Nealth
management strategy.
I am married to my wife, Barrett, and I have two wonderful
children—Justin and Kristen—and take my family-centered focus
into both my client service and community involvement. I sat on
the endowment board of the (ibiscus Children’s Center, a nonproÙt
organization that works to build better lives for neglected and
abused children. In addition, I have been an active and prominent
Ùnancial sponsor of the Council on Aging and Celebrities Fore Kids,
Inc., a charity that oØers Ùnancial assistance to children with cancer
and their families.
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Shannon M. Murphy
R E G I S T E R E D S E N I O R C L I E N T A S S O CI AT E
Shannon joined Merrill Lynch in 2009, and has 13 years of Ùnancial
services industry experience. We have worked together for the past
10 years. With focus and dedication, she responds to client requests
and handles the team’s day-to-day administrative operations and
oÛce logistics. An eÛcient problem solver, she is the Ùrst point of
contact for clients, handling new account processing and executing
trades while providing a high level of attentive service.
She earned her Bachelor’s degree in Education from Florida Atlantic
University in Boca Raton.
How We Can Work Together
s you thinD about Nhat’s important to you and your family, >onsider the folloNing Juestions
How
do I develop a Nealth strategy that addresses my goals and hopes for the future
What
resour>es do I need to help me live the life I envision
Which
sDills in a §nan>ial advisor are most important to me
Nearing Wealth Management
can help you formulate the answers.
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