Clarity. Guidance. Confidence.
Wealth deserves
a steady hand.
Independent financial planning for individuals, families, retirees, and business owners. Straight answers, disciplined strategy, and over 45 years of combined experience behind every recommendation.
Our Approach
Good advice is not complicated. It is consistent, transparent, and built entirely around you.
Most people don't need a more sophisticated portfolio. They need someone to organize the whole picture, explain the trade-offs plainly, and stay accountable for the plan over decades rather than quarters.
As an independent firm, we answer to our clients and no one else. That independence shapes every recommendation we make, from a first 401(k) enrollment to a multi-generational transfer of wealth.
What We Do
Four ways we help.
- 01
Retirement Planning
A clear picture of what your retirement actually looks like — and a plan to fund the life you want, not just a number on a statement.
Learn more - 02
Wealth Management
Disciplined portfolio management for families with real assets to protect and a long horizon to grow them.
Learn more - 03
Company 401(k) Plans
Retirement plan design and administration support for businesses that want a plan their employees actually use.
Learn more - 04
Getting Started
For people early in the journey — first real paycheck, first house, first serious savings decision.
Learn more
The Standard We Hold
Clarity. Guidance. Confidence.
It is on our logo because it is how we work — not a slogan we reach for after the fact.
- 01
Clarity
You should be able to explain your own plan. We use plain language, show our reasoning, and keep your whole picture organized so nothing hides in a footnote.
- 02
Guidance
Advice is a relationship, not a document. We stay involved through market cycles, career changes, and the decisions that do not fit neatly on a spreadsheet.
- 03
Confidence
The goal is not a perfect forecast. It is knowing your plan holds up under pressure — and knowing exactly who to call when something changes.
Experience
More than 45 years of combined financial services experience.
Ronald Merrill, Senior Financial Advisor, brings over 41 years of experience to the firm. That depth — combined with a planning-first, independent approach — means clients get advice that has been tested across decades and market cycles.
Who We Are
An independent firm built on lasting relationships.
Merrill Financial Group was built on a simple conviction: people make better financial decisions when they genuinely understand them. We serve clients across every stage — the young professional opening a first Roth IRA, the family approaching retirement, the business owner building a 401(k) their employees will actually value.
No call centers, no rotating account representatives. You work directly with an advisor who knows your name and your circumstances.
How We Work
Four steps, no surprises.
- 01
Introduction
A straightforward conversation about where you stand and what you are trying to accomplish. No cost, no pressure, no obligation to continue.
- 02
Discovery
We gather the details — accounts, benefits, taxes, timelines — and build a complete view of your finances as they exist today.
- 03
Strategy
We present a written plan with specific recommendations, the reasoning behind each one, and the trade-offs you should weigh.
- 04
Stewardship
We implement, monitor, and revisit the plan on a regular cadence, adjusting as your life, the tax code, and the markets move.
Let's find out whether we're the right fit.
A first conversation costs nothing and commits you to nothing. Bring your questions — we'll tell you plainly whether we can help.