PROFESSIONAL PROFILE

The Reynolds Ungerer Wealth Management Group at Merrill Lynch was founded with the goal of delivering full lifecycle wealth management services to high net worth clients by utilizing the world class resources of one of the most trusted integrated financial services firms. With over 14 years of industry experience, we have focused on a holistic approach to developing wealth management and risk mitigation strategies to help clients reach their financial goals.


To develop a strategy tailored to your needs, we break down the financial lifecycle into four phases. Where you are in your life controls what phases we will need to address.

1. Accumulation: How much wealth must you accumulate and by when? This is the goal planning phase. Are there any large purchases on the horizon, such as, a vacation home or boat? We will look at planning for college expenses. The primary goal for most, retirement planning, is also addressed in this phase. It is important to consider and plan for both the short-term and long-term goals.

2. Continuity: How are you managing risk? In today’s environment, a plan means nothing until you overlay it with an appropriate risk mitigation strategy. This is where we look at the “what if” scenarios and build safeguards into the strategy to handle issues that could otherwise derail your plan. How is your future impacted by a major market correction? What if you can't work? In this phase we will look at overall estate planning and insurance needs.

3. Transition: We all plan to retire someday. In the first phase, we built the plan. In this phase, we execute the plan to ensure that you can retire with confidence. We will need to look at how to transition assets from your employer’s plans to your retirement plan. This can include 401k rollovers, deferred compensation, employee stock options and/or restricted shares. It is important to put an income plan in place efficiently leveraging the assets while working to manage taxes.

4. Distribution/legacy: In the continuity phase, estate planning and insurance are introduced to provide protection for your heirs in case of a premature death. In this phase, we take a much more detailed look at the overall estate and how you want to handle the distribution of wealth when the time comes. We work with you to understand what type of legacy you would like to leave behind. Are there family member that will need to be considered? Are there specific charities you would like to take into account? As with the other phases, we also look at taxation. What tax liability will your estate incur and what can we do to reduce the impact on your heirs?

Gregory E. Reynolds
Senior Vice President
Financial Advisor

As a Financial Advisor with Merrill Lynch, Greg focuses on developing financial strategies to address clients’ financial challenges and opportunities. Greg works closely with research and analyst groups at Merrill Lynch to develop plans that are optimized to help clients pursue their financial goals while mitigating risk wherever possible. Greg graduated in 1995 from the University of Missouri. Greg lives in West County with his wife Michelle, his son Carter, and daughter Nora.

Aaron A. Ungerer, CRPC
First Vice President
Financial Advisor

As a Financial Advisor with Merrill Lynch, Aaron works closely with individuals and families to develop wealth management solutions designed to address clients’ financial challenges and opportunities. Aaron will partner with your other advisors, such as, tax advisor and estate planning attorneys to assist clinet in pursuing a wide range of financial goals. Aaron graduated in 1994 from the University of Florida. He also completed his MBA with an emphasis in finance at the University of Missouri in 2000. Aaron lives in West County with his wife Kristi and his three sons, Michael, Drew, and Luke.

Tracey Halloran
Registered Client Associate

Tracey is a highly qualified, fully licensed, Client Associate. Tracey has the knowledge and background to manage account administration and day-to-day operations with personal care and first-class service. Often the first point of contact, she assists clients with a wide breadth of daily needs, including placing trades, banking and web-based services.