Merriman Wealth Management: A Long-Term Investment Approach

Merriman Wealth Management, formerly known as Merriman Investment Management, is a registered investment advisor (RIA) that focuses on providing long-term investment solutions, primarily for individual investors, families, and non-profit organizations. Founded in 1983 by Paul Merriman, the firm champions a passive, evidence-based investing philosophy rooted in academic research and a commitment to low-cost index funds and exchange-traded funds (ETFs).

At the core of Merriman’s strategy is a belief in the efficiency of the market. Rather than attempting to “beat” the market through active management and stock picking, they advocate for capturing broad market returns through diversified portfolios. This approach emphasizes minimizing expenses and maximizing long-term growth by systematically investing in a globally diversified basket of assets.

Merriman’s investment strategies typically incorporate a mix of asset classes, including U.S. stocks, international stocks (both developed and emerging markets), and fixed income. They also often include allocations to small-cap value stocks, a strategy particularly emphasized by Paul Merriman, based on historical data suggesting superior long-term performance of this asset class. Portfolios are regularly rebalanced to maintain the desired asset allocation and risk profile.

The firm offers a range of services, including:

• Financial Planning: Comprehensive financial planning services encompassing retirement planning, investment planning, estate planning, and tax planning.
• Investment Management: Customized investment portfolios tailored to individual client goals, risk tolerance, and time horizon.
• Retirement Planning: Guidance on retirement income strategies, including managing withdrawals and optimizing Social Security benefits.
• Educational Resources: A wealth of free educational content, including articles, podcasts, and webinars, designed to empower investors to make informed decisions.

A key differentiator of Merriman is its commitment to education and transparency. The firm places a strong emphasis on educating its clients and the broader investment community about sound investment principles. They openly share their investment philosophy, strategies, and fee structure, fostering trust and understanding.

While Paul Merriman is no longer actively involved in the day-to-day management of the firm, his influence remains strong. His legacy is evident in the continued adherence to his investment principles and the firm’s dedication to investor education. He continues to provide educational content and advocate for evidence-based investing through his foundation.

Merriman Wealth Management strives to provide value by offering well-diversified, low-cost investment solutions coupled with personalized financial advice and a commitment to client education. They are particularly well-suited for investors who are comfortable with a passive investment approach and seeking a long-term partner to help them achieve their financial goals.