The Marton Bute Marcus
Transcription
The Marton Bute Marcus
The Marton Bute Marcus Wealth Management Group From left to right: Robert Marton, John Bute, Chip Marcus The Marton Bute Marcus Wealth Management Group guides affluent individuals and families through the development and implementation of their customized wealth management strategies. Because we focus our efforts on a limited number of clients, we can dedicate the time and personalized attention you deserve. Our team applies more than 30 years of combined experience to supply highly focused, thorough advice and guidance to each relationship. In our practice, we emphasize asset allocation as a critical component of a strategic, long-term investment process. The era of investing in just three asset classes—stocks, bonds and cash—is past. We encourage consideration of asset allocation techniques for individuals—techniques that have long been reserved for sophisticated institutional investors, such as university endowment funds. You can expect that—and more—from The Marton Bute Marcus Wealth Management Group. Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (BAC). Banking products are provided by Bank of America, N.A., member FDIC and a wholly owned subsidiary of BAC. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Merrill Lynch makes available certain 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. “We use asset allocation to gain exposure to investment opportunities that go far beyond traditional stocks and bonds.” Robert W. Marton, CFP®, CIMA® SENIOR VICE PRESIDENT–WE ALTH MANAGEMENT WE ALTH MANAGEMENT ADVISOR PORTFOLIO MANAGER, PIA PROGRAM Our Philosophy Q A wealth management strategy should be centered on you and what is important to you. Your investment portfolio, diversified among and within asset classes, is the foundation of an individualized strategy. Q We strive to help you manage the volatility of your investment portfolio in a manner designed to help preserve and grow your investment over time. Q Where appropriate, we can work with you to incorporate asset allocation techniques into your investment strategy, expanding the universe of asset classes available to your portfolio. By strategically diversifying your investments beyond the three traditional asset classes, we seek to assist you in finding global investment opportunities, with the goal of improving your riskadjusted investment returns. 3 Strategic, Diversified Investing Strategy By expanding your portfolio beyond stocks, bonds and cash, you can explore an array of opportunities available in today’s round-the-clock, global markets, while focusing on those with potentially less risk. When we develop your asset allocation strategy with you, we dynamically allocate across a multiple of asset classes, upwards of five or more. Obviously, this presents more choices. What is most important is that this broader universe of asset classes gives you more flexibility to balance the targeted returns of your portfolio with the level of risk you are willing to assume. The process of blending assets and balancing risk is based on “correlation”—how the prices of different assets move relative to each other. The more they move in the same direction, the more they are correlated. Through diversification, we seek uncorrelated investments that, when put together in a portfolio, are aimed at reducing risk. 4 “Expanding the number of asset classes used in your portfolio is designed to help reduce risk. It allows your investments to be spread among multiple asset classes that have low correlations.” John C. Bute VICE PRESIDENT SENIOR FINANCIAL ADVISOR Four Key Beliefs Our investment discipline is based on the following principles: Q Target investment returns based on your customized portfolio, aimed at the goal of having the least amount of volatility based on your risk profile. Q Seek to balance return and risk by strategically diversifying investments into an expanded set of asset classes. Q Measure, analyze and monitor risk in its many forms, while focusing on the “standard deviation” of your returns—a common definition of risk. Q Pursue an objective of absolute return and target a smooth sequence of returns for the investor over time. In order to seek an appropriate balance, we strive to avoid unsustainable “highest of high” returns and avoid unacceptable “lowest of low” returns. 5 Institutional Thinking Applied to You We believe asset allocation is at the core of any long-term investment strategy. Under ideal conditions, asset allocation can help improve a portfolio’s risk-adjusted return to help clients benefit from rebalancing. For the past several decades, institutional investors have often been at the leading edge of investment diversification and portfolio risk management. Indeed, we believe that such investors were able to navigate the challenging markets of 2008 and 2009 because of their broad diversification and their disciplined approach to managing risk. That is what we aim to do for individuals. We take the key practices of an institutional approach and suggest them for your asset allocation and portfolio, as appropriate. 6 “Institutional investment managers look to ?road diversiæcation of asset classes as an essential method of smoothing out investment returns over the long term. We also subscribe to this thinking.” Chip C. Marcus, CFP® VICE PRESIDENT WE ALTH MANAGEMENT ADVISOR College and university endowment funds are good examples of institutional investors that know the value of broad diversification. University endowments are invested to provide economic resources for future generations of students, faculty and administrators. As a consequence of this need to provide funding over the long term, endowments are also intent on preserving capital across all market cycles. The aim is to reduce the standard deviation of returns, with a goal of making the compounding of investment capital steady and smooth. Our approach is similar to endowment investment managers who diversify their portfolios well beyond stocks, bonds and cash, and can include professionally managed nontraditional asset classes, as appropriate, such as hedge funds, commodities and alternative investments. Such diversification can also include natural resources, gold and emerging markets, as appropriate. 7 Flexible Strategies for Helping You Manage Investments The Marton Bute Marcus Wealth Management Group takes full advantage of the depth and breadth of Merrill Lynch—as well as access to the banking convenience of Bank of America—to identify strategies designed to help you pursue your financial objectives. When combined with BofA Merrill Lynch Global Research capabilities, our ability to offer recommendations, insights, market analysis and risk-management strategies is, we believe, highly attractive to clients seeking a higher level of wealth management. Clients who prefer not to be involved in day-to-day investment decisions may want to consider discretionary portfolio management. Robert Marton is specially qualified under the Merrill Lynch Personal Investment Advisory® (PIA) Program and can offer this service. As with any investment, your PIA portfolio is created in accordance with your goals, investment objectives, liquidity needs, short- and long-term goals, time horizon and risk tolerance, and may include stocks, bonds and other appropriate investment vehicles. With your permission, discretionary portfolio management enables Robert to manage your portfolio, reallocating assets and adjusting your holdings as necessary in response to changes in market conditions, your investment objectives and financial circumstances. 8 “Service and responsiveness are the hallmarks of our interaction with clients. We make sure a team member is available to help you with a problem or request.” Robert W. Marton, CFP®, CIMA® SENIOR VICE PRESIDENT–WE ALTH MANAGEMENT WE ALTH MANAGEMENT ADVISOR PORTFOLIO MANAGER, PIA PROGRAM The Marton Bute Marcus Wealth Management Group is based in Boca Raton, Florida, but we work with individuals and families from coast to coast, and visit the New York region regularly to meet with clients and their families. We are deeply familiar with the wealth management issues clients face. We work hard at both wealth management and strengthening relationships, and we are gratified that a remarkable number of clients have been with us for years. We are used to collaborating with other professional advisors, such as trust and estate attorneys and certified public accountants, to build a highly structured wealth management strategy. Communication is the centerpiece of our service model. Based on your needs, we will meet with you to review investment performance and to share our views of the markets. We will organize face-to-face meetings or video conferences to discuss your strategy, personal changes and the investment landscape. 9 Flexible Solutions for Helping You Manage Investments Robert W. Marton, CFP®, CIMA® 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 A founding member of The Marton Bute Marcus Wealth Management Group, Bob sets strategic direction and works closely with the team to deliver wealth management services to clients. Bob began his career in Ùnance in the mid1980s working on the trading Úoor of the .ew York Mercantile %xchange .YM%8 and he joined Merrill ,ynch in 008. (e holds the C%RTIFI%$ FI.A.CIA, P,A..%RTM certiÙcation awarded by the CertiÙed Financial Planner Board of 3tandards, Inc., as well as the CertiÙed Investment Management Analyst® CIMA® designation. A graduate of the 5niversity of Maryland, Bob has been a resident of Florida since 1993. (e and his wife, ,isa, live in Boca Raton, Florida, with their three children at WoodÙeld Country Club where Bob has previously served as president of the Board of $irectors. They are active members of Temple Beth %l and also enjoy spending time at their home in White ,ake, located in .ew Yorkas Catskill Mountains. John C. Bute VICE PRESIDENT SENIOR FINANCIAL ADVISOR John is chieÚy responsible for the organization of the team and the coordination of wealth management strategies for clients. (e can call upon more than 0 years of Ùnancial services experience as he helps clients to develop their investment and tax minimization strategies. John began his career in 1986 as a Ùnancial analyst in .ew York City, then became a certiÙed public accountant and managing partner of a public accounting practice, before returning to the investment sector. (e joined Merrill ,ynch in 008. John earned a Bacheloras degree in Finance and Accounting from 3tate 5niversity of .ew York at .ew Paltz. John, currently a nonpracticing CPA, resides in Weston, Florida, with his wife, .ancy, and their two daughters. (e is a vice president of the Weston Youth 3occer program. John does not provide tax advice in his role at Merrill ,ynch. Chip C. Marcus, CFP® VICE PRESIDENT W E A LT H M A N A G E M E N T A D V I S O R Chip has been in the Ùnancial services industry since 1998, and he joined Merrill ,ynch in 008. (e works with clients on customized wealth management strategies and, in addition, focuses on all investment strategy, analysis, and risk management activities of the Group. (e holds the C%RTIFI%$ FI.A.CIA, P,A..%RTM certiÙcation awarded by the CertiÙed Financial Planner Board of 3tandards, Inc. Chip currently lives in $elray Beach, Florida, with his wife, Regina, and their two daughters, Gabriella and ,ia. 10 Melinda +. Mc(ugh, CFP® R E G I S T E R E D S E N I O R C L I E N T A S S O CI AT E [email protected] Melinda has worked in the Ùnancial services industry since 003, having joined Merrill ,ynch in 008, and currently leads The Marton Bute Marcus Groupas administrative and operations management. Melinda graduated magna cum laude from the 5niversity of ,ouisville with a Bacheloras degree in Business Administration and earned her MBA at Florida Atlantic 5niversity in 007. She continued her studies and holds the C%RTIFI%$ FI.A.CIA, P,A..%RTM certiÙcation awarded by the CertiÙed Financial Planner Board of Standards, Inc. Melinda and her husband, Christopher, live in $eerÙeld Beach, Florida, with their two children, +ate and Miles. Ashley S. Ferrentino R E G I S T E R E D C L I E N T A S S O CI AT E [email protected] Ashley has worked in the Ùnancial services industry since 005 and provides a high level of attentive client service. She joined Merrill ,ynch in 008. Ashley supports clients by responding to their account inquiries and provides administrative support to the Ùnancial advisors by processing new accounts, maintaining existing accounts, and transferring securities, among other duties. She earned her Bacheloras degree from Florida Atlantic 5niversity, where she majored in Finance. Ashley lives in Ft. ,auderdale, Florida. Your financial advisor can offer access to an experienced Bank of America Wealth Management Banker who can assist you with strategic and personalized banking guidance. Together, they can draw upon an expansive array of banking, credit and other lending solutions designed to fit into your overall financial strategy and help you to pursue your financial objectives. 11 Call or e-mail us for further information. The Marton Bute Marcus Wealth Management Group 500 Town Center Circle Q Phone: 561.361.3456 Tower 1, Suite 101 Q Q Boca Raton, F, 33496 www.fa.ml.com/martonbutemarcus Robert W. Marton , CFP®, CIMA® John C. Bute Chip C. Marcus, CFP® Senior Vice President–Wealth Management Wealth Management Advisor Portfolio Manager, PIA Program Vice President Senior Financial Advisor Vice President Wealth Management Advisor [email protected] [email protected] [email protected] Investing involves risk. There is always the potential of losing money when you invest in securities. Diversification, asset allocation and rebalancing do not ensure a profit or protect against loss in declining markets. Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors. 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. 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 which service or services to select. There are special risks associated with an investment in commodities, including market price fluctuations, regulatory changes, interest rate changes, credit risk, economic changes, and the impact of adverse political or financial factors. Gold like any other coin or bullion is subject to investment risks like perceived scarcity of coin, its quality, current demand, market sentiment and economic factors. Investments in foreign securities involve special risks, including foreign currency risk and the possibility of substantial volatility due to adverse political, economic or other developments. These risks are magnified for investments made in emerging markets. Investing in emerging markets may involve greater risks than investing in more developed countries. In addition, concentration of investments in a single region may result in greater volatility. BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. MLPF&S is a wholly owned subsidiary of Bank of America Corporation. Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. L-02-14 Merrill Lynch Personal Investment Advisory, 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. Certified Investment Management Analyst® and CIMA® are registered certification marks of Investment Management Consultants Association Inc. © 2014 Bank of America Corporation. All rights reserved. MLWM-13-02118_brochure ARWS3KFN 03/2014
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