Navigating Your Wealth with Confidence

At Meritrust, our Investment Management Team is dedicated to making strategic investment decisions that prioritize your best interests.

Active Account Management: Our advisors actively manage your portfolio, aligning it with your specific goals. We keep a close eye on market trends, economic shifts, and political changes to enhance your investment experience.

Third-Party Management: We provide access to external private asset managers for specialized asset classes or strategies, particularly beneficial for certain investment account sizes.

Evidence-Based Investment Management: Adopting a data-driven strategy, our advisors use research and historical data for investment decisions, focusing on scientifically validated factors rather than short-term news.

Specialized Investment Management: Environmental, Social, and Governance (ESG) Investing: For those interested in sustainable investing, we create portfolios focused on companies with high ESG ratings, considering environmental, social, and governance factors.

Structured Risk Minimization Strategy: We employ structured products and strategies to shield against various risks, including market downturns caused by recessions, inflated valuations, or global events like a pandemic.

This approach ensures that your investments are managed thoughtfully and efficiently, addressing both current needs and future aspirations.

At Meritrust, our financial advisors streamline complex strategies into clear, comprehensive plans for business, finance, and estate, integrating tax planning and investment management for your success. We offer personalized financial plans for clients at various stages of financial growth, including:

Early-Stage Asset Management: Starting early with savings and investments sets a strong foundation for your financial independence. Our team guides new investors in choosing options that align with their short, intermediate, and long-term goals, educating you for a financially secure future.

Accumulation-Stage Planning: For those in the wealth-building phase, we focus on strategies to increase interest compounding, income maximization, and growth solidification.

Retirement Planning: Our Retirement Planning Services Team addresses key questions about savings sufficiency and family security. We assess your unique financial situation, retirement objectives, and craft a plan that considers risk and tax implications, ensuring a confident retirement.

Education Funding: Recognizing the importance of education, our advisors help develop funding plans for your children or grandchildren's education, utilizing vehicles like 529 College Savings Plans or Educational IRAs.

Portfolio Management is the selection, management, and adjustment of various financial assets like stocks, bonds, and mutual funds to align with the investor's risk tolerance, financial goals, and time horizon. It's about balancing risk against performance to maximize returns.

Asset allocation refers to diversifying investments across different asset classes (like equities, fixed income, real estate) to optimize the risk-return profile based on individual or business financial goals.

This involves the strategic movement of financial resources from one party to another, typically occurring during significant life events such as retirement, inheritance, or gifting. This element of financial planning is important for several reasons:

• Estate Planning: One of the most common forms of wealth transfer is through estate planning. This involves deciding how your assets will be distributed after your death. Effective estate planning ensures that your wealth is transferred to your beneficiaries according to your wishes, often utilizing tools like wills, trusts, and life insurance policies.

• Retirement Planning: Transferring wealth can also occur during retirement when individuals shift their assets from growth-focused investments to more stable income-generating assets, ensuring a steady flow of funds during their non-working years.

• Tax Implications: Wealth transfer strategies often consider tax implications to minimize the tax burden on the giver and the receiver. This could involve tactics like making use of gift tax exclusions, setting up trusts, or employing other tax-efficient transfer methods.

• Philanthropy: For some, transferring wealth involves charitable giving. This can be executed through direct donations, setting up charitable trusts, or other philanthropic vehicles that also offer potential tax benefits.

• Intergenerational Wealth Transfer: This refers to the passing of assets to future generations. Effective financial planning ensures that wealth transfer to children or grandchildren is done in a manner that is tax-efficient and aligned with the long-term financial goals of the family.

• Business Succession Planning: For business owners, transferring wealth might involve the transfer of business ownership and assets. This requires careful planning to ensure the business continues to operate smoothly while also considering tax and legal implications.