Your investment goals are unique. We can help you build a portfolio that meets your needs.
For just a minute, think of your long-term financial strategy as a cross-country car trip. You know where you want to end up and you have a pretty good idea of how long it should take to get there. At the same time, you know that here and there you're going to run into heavy traffic, inclement weather, detours and other obstacles to your safe and timely arrival. And of course you're always looking for opportunities to reach your destination in the smartest, easiest way. As an intelligent traveler, you will probably consult a GPS system to look for better routes and to check weather reports and traffic updates for potential problems, and maybe visit a local Web site to make sure there's no roadwork along the way.
The point of your investment decisions is, by definition, to produce the returns you need to meet your long-term financial goals. But unless you're also managing investments for tax efficiency, you may be paying more than your fair share of federal tax. This is especially true for the growing number of households that in 2007 could become subject to the Alternative Minimum Tax (AMT).
The AMT is a provision of the IRS tax code enacted in the 1960s to curb the use of tax deductions by the wealthiest citizens. Although the goal was to ensure that everyone paid at least some income tax, the AMT has never been adjusted for inflation. As a result, roughly 23 million filers with rising incomes may face higher payments in the 2007 tax year.
Managing your day-to-day financial needs is as crucial to achieving your personal goals as managing your long-term investments. That's why Merrill Lynch offers a broad array of cash management services to help you integrate your financial life. Now we've made it easier for you to utilize these services — and keep track of your disparate finances — through the new CMA Plus® package, offered as part of the Cash Management Account® (CMA® account).
Available without a monthly fee to qualifying clients®, CMA Plus gives you the simplicity of a single all-inclusive account — with one point of contact and with one location — for both your long-term investments and everyday finances.
Rich in commodities and untapped consumer demand, China, Brazil and other developing countries may lead a global rebound.
A Client Review will help your wealth management strategy stay on track