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An understanding of the challenges you face. Expertise to help you and your partner achieve the life you desire. Strategies to ensure your loved ones are protected and your legacy wishes are followed.

Specialized Solutions for Domestic Partners

Sustaining a Standard of Retirement

Todd and David have been a couple for 20 years. They hold approximately $50 million in assets, the bulk of which is in real estate Todd inherited from his family. With retirement approaching, Todd and David decide to attend a domestic partner seminar presented by a Merrill Lynch Financial Advisor to make sure their finances are in order.

Raising Awareness
The Financial Advisor raises several points during the seminar alerting the couple to issues related to their partnership that could significantly impact David's financial well-being in retirement. The couple realizes that, because David is not legally considered Todd's spouse, they cannot retitle Todd's property to include both names without potentially incurring a significant gift tax.

Sustaining a Standard of Living in Retirement

Michelle and Jennifer are the proud parents of Ben, Jennifer's natural child conceived by in-vitro fertilization. They recently celebrated seven years as a family and, after learning about the importance of wealth and estate planning in a recent issue of Total Merrill Perspectives, they decided to contact a Merrill Lynch Financial Advisor for help in structuring their $12 million in assets in an effective, disciplined manner.

Your Needs

Reports by UCLA's Williams Institute

This case study is intended to illustrate brokerage products and services available through Merrill Lynch. It does not necessarily represent the experiences of other clients, nor does it indicate future performance. Investment results may vary. The investment strategies presented are not appropriate for every investor. They do not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Individual clients should review with their Merrill Lynch Financial Advisor the terms and conditions and risks involved with specific products and services.

Investments

Sustaining a Standard of Retirement

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Your Needs

Reports by UCLA's Williams Institute