Roche Hans Orders Group

Wealth Management

"We spend a great deal of time getting to know our clients and their families—not only their assets and liabilities but also their objectives and aspirations. We fit strategies to our clients' needs, not the other way around."

Richard Hans, CFP®, CIMA®
Senior Vice President–Wealth Management
Wealth Management Advisor

Wide Experience and Diverse Skills Applied to Your Wealth Management Needs

The Roche Hans Orders Group has been helping affluent clients pursue their financial goals through personal service, knowledgeable advice and disciplined investment management for more than four decades. Located in Baltimore, Maryland, we have more than 120 years of combined financial service experience at Merrill Lynch.

During our long tenure in the industry, we have witnessed a variety of markets and economic landscapes. The lessons we have learned have proved invaluable in guiding our clients through today's complex, ever-changing investment environment. In addition to substantial real-world experience, we hold a number of professional credentials that enable us to develop a broad perspective on your wealth management needs. Team members work together, each one contributing individual skills and knowledge, to create strategies designed to meet those needs.

Our value to you extends beyond investment management to the highly personalized services and solutions we offer. We are dedicated to taking care of your financial well-being so you can concentrate on your life goals.

"Our goal is to bring all the parts of your financial life together in a seamless, disciplined wealth management strategy designed to help you build, preserve and pass on your assets."

John Farcosky, CFP®, CIMA®, CRPC®
Wealth Management Advisor

Extended Capabilities, Specialized Services

We follow a total wealth management approach that encompasses asset accumulation, risk management, tax-minimization strategies, retirement planning services and wealth transfer solutions. Whether we're helping you with investing, with streamlining your cash and debt management or with managing your retirement income streams, our goal is to assist you in pursuing your objectives.

Discretionary Portfolio Management—Many investors do not have the time or inclination to make the day-to-day decisions necessary to navigate today's fast-moving markets. In addition, markets are not behaving the way they used to, and confidence is scarce. Andy Weltlinger and James Orders are specially qualified through the Merrill Lynch Personal Investment Advisory® (PIA) Program to manage discretionary investment strategies suited to your unique needs and goals. This discretion allows them to respond to market changes, price volatility and global events, as well as your personal circumstances, to help you stay on track to meet your financial goals. Andy and James manage our discretionary portfolios with thoughtfulness, intuition and experience specifically for the new investment world.

Retirement Planning Services—Using Merrill Lynch's sophisticated retirement planning tools, we can help you determine how much money you may need to retire when and how you wish. We analyze the likelihood of your achieving your retirement goals and then use that information to suggest an appropriate investment strategy. We are also experienced in advising individuals and businesses on setting up and administering qualified retirement plans, including defined-benefit and defined-contribution plans.

Privately Owned Businesses—We understand entrepreneurs and can provide them with access to valuable products and resources for addressing every aspect and phase of their business, from traditional senior debt to mergers and acquisitions, raising capital and evaluating alternative exit strategies.

Corporate Executive Complexities—We can assist executives in handling the risk inherent in equity awards and concentrated stock positions, for which we may suggest using certain hedging strategies. Additionally, we can help develop trading strategies for restricted stock using exchange-traded funds, selling programs and block trades.

Estate Planning Services—A well-defined wealth transfer strategy can help you preserve your assets and see that your personal wishes are fulfilled. In coordination with your other trusted advisors, we can assist you with insurance strategies, trusts and philanthropic solutions designed to reduce your estate tax liability.

Credit and Lending—Through our relationship with a Bank of America Wealth Management Banker, we can help you meet your personal cash management and borrowing needs with a variety of credit services, loan arrangements, home loan refinancings and cash management solutions.

Education Funding—We can suggest investment vehicles and tax-efficient college planning strategies, such as college savings plans and custodial accounts, for your children and grandchildren.

"Until we can define a client's personality, it's impossible to design a portfolio specifically tailored to his or her needs and goals."

Jamie Orders, CFP®, CIMA®, CRPC®
First Vice President–Wealth Management
Wealth Management Advisor

Helping Turn Your Vision Into Reality.

Our experience has shown us that no two clients—or their financial situations—are alike. Everyone has a unique set of challenges, needs and motivations, and the solutions we create for you are tailored to your individual requirements.

Our approach to wealth management is client-centric. We begin our consultative process by sitting down with you to ask about your goals and fears, both financial and personal. We want to know not only what is important to you but why.

In addition to your history, priorities and aspirations, we gather information about your total net worth, including your assets and your liabilities. Managing both sides of your balance sheet can help bring the various pieces of your financial life together into an integrated whole. Based on what we learn, we help you develop customized wealth management strategies that take into consideration where you are financially today and where you hope to be in the future.

Helping you manage your investments is just the beginning. We want to become a valued resource for you, your family and future generations.

"The days of buying good quality stocks and holding them for 20 years are gone. Research shows that you can do a little better by being dynamic, flexible and active."

Andy Weltlinger, CFA
Assistant Vice President
Wealth Management Advisor

A Strategic and Diversified Approach to Investing

We focus on long-term results, not short-term market swings. We guide you in developing portfolios that can help see you through different market environments and phases of the economic cycle. This enables you to spend more time enjoying your wealth and less time worrying about short-term market conditions.

We are strong believers in diversification—among and within asset classes, between growth and value styles and across countries. A portfolio that is strategically balanced among domestic and foreign stocks, bonds, cash and other instruments expands the universe of asset classes in your portfolio. We believe that this can help reduce the risk of wide swings in your portfolio's value while allowing it ample opportunity to grow. We may also recommend including nontraditional assets when appropriate, because their low correlation to the stock market may help reduce risk.

Roche Hans Orders Group

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1Past performance is not a guarantee of future results. Risk and return are measured by standard deviation and arithmetic mean, respectively. This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index. © 2011 Morningstar. All Rights Reserved. 3/1/2011. Risk and return shown are based on indexes; they assume reinvestment of income and no transaction costs or taxes. Index sources: Stocks–Standard & Poor's 500®, which is an unmanaged group of securities and considered to be representative of the stock market in general; Bonds– 20-year U.S. Government Bond. Used with permission. Certain portions of this work were derived from Roger G. Ibbotson and Rex Sinquefield.

Our investment approach rests on four key principals of risk management:

  • Downside risk mitigation—We seek to lessen downside risk while simultaneously positioning your portfolio to take advantage of the potential for long-term positive returns. We believe that successful investing is more about avoiding losses than seeking outsized gains.
  • Global diversification—To help reduce the effects of volatility and inflation on your returns, we suggest that you consider broadening your array of investments to include ones tied to foreign as well as domestic markets.
  • Flexibility—Rather than adhere to a strict buy-and-hold philosophy, we strive to help your portfolio respond quickly to market changes, price volatility and global events, so that it can take advantage of opportunities that might enhance your asset preservation and growth.
  • Hedging—We may recommend using various instruments to hedge against adverse price movements.

Research is essential to our approach. We use the well-respected research of BofA Merrill Lynch Global Research and other third-party analysts to gain perspective on world events and global economics and capital markets. Drawing on the insights and knowledge these sources impart, we can help you make informed decisions about investments and your overall wealth management strategy.

Meet the Team

We truly enjoy working together every day to help our clients. Our client relationships are based on trust, accessibility and an unwavering commitment to helping you reach your financial goals. We constantly explore how we can do things better and make your experience both comfortable and consultative. We strive to answer every call promptly and to end every meeting or communication on a positive note. Our goal is to fully engage you in the process and help you understand the concepts we discuss so that you may make well-thought-out decisions about your future.

  • Patricia A. Roche

    Senior Vice President–Wealth Management
    Senior Financial Advisor
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  • Richard W. Hans, CFP®, CIMA®

    Senior Vice President–Wealth Management
    Wealth Management Advisor
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  • James Orders CFP®, CIMA®, CRPC®

    First Vice President–Wealth Management
    Wealth Management Advisor
    Portfolio Advisor, PIA Program
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  • Andrew Weltlinger, CFA®

    Assistant Vice President
    Wealth Management Advisor
    Portfolio Manager, PIA Program
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  • John T. Farcosky, CFP®, CIMA®, CRPC®

    Wealth Management Advisor
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  • Shawna T. Bieda, CFP®

    Financial Services Associate
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Investing involves risk. There is always the potential of losing money when you invest in securities.

Asset allocation, diversification and rebalancing do not assure a profit or protect against loss in declining markets. Rebalancing may pose a tax event.

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 a service or services to select.

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.

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.

There may be less information available on the financial condition of issuers of municipal securities than for public corporations. The market for municipal bonds may be less liquid than for taxable bonds. A portion of the income may be taxable. Some municipal security investors may be subject to Alternative Minimum Tax (AMT). Capital gains distributions, if any, are taxable.

Hedging and monetization strategies can result in higher return potential but also higher loss potential. Prospective investors are required to meet certain qualifications and acknowledge they understand the risks associated with certain hedging and monetization strategies that may not be suitable for all investors.

The Efficient Frontier illustration represents a hypothetical curve depicting an array of investment portfolios that provide the greatest potential for a given level of risk, or equivalently, the lowest level of risk for a given return. Past performance is no guarantee of future results.

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Merrill Lynch Personal Investment Advisory, Merrill Lynch Wealth Management 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.

Chartered Financial Analyst and CFA are registered trademarks of the CFA Institute. Chartered Retirement Planning Counselor is a service mark and CRPC is a registered service mark of College for Financial Planning.

Certified Investment Management AnalystSM is a certification mark and CIMA® is a registered certification mark of Investment Management Consultants Association Inc.

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Richard Hans is registered to do business in:AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV

Patricia A. Roche is registered to do business in:AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV

James M. Orders CFP CIMA is registered to do business in:AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV

Andrew M. Weltlinger CFA is registered to do business in:AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV

John T. Farcosky CFP CRPC is registered to do business in:AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV

For questions regarding registration information please contact your Financial Advisor.