This topic is REALLY bothering us!

We couldn’t help but shake our heads reading that Merrill Lynch is doubling its “small household” threshold to $500K. Overnight, what used to count as a valued client is now a “reduced compensation” account. That’s like showing up to play baseball and, in the third inning, someone moves the bases farther apart. Same game, new rules — but only one side benefits.

Here’s the problem: when compensation structures shift, behavior often follows. If advisors aren’t paid to serve households under $500K the same way, the service those clients get is bound to change. Not because the advisors don’t care — most of them do — but because the firm just told them where to spend their time.

At Dinergy, we don’t believe in mid-game rule changes. Your goals don’t suddenly get less important because your account doesn’t meet some arbitrary benchmark. Whether you’re building wealth, preserving it, or handing it off to the next generation, you deserve an advisor who sees the whole picture — not just the dollar signs attached.

This is exactly why we designed Dinergy around a different philosophy: consistency. Consistent advice, consistent access, consistent commitment. We don’t care if Wall Street says $250K is “too small” or $499K is “not enough.” We care about whether your financial plan is helping you live the life you want.

So if you see headlines like this and wonder, “Am I still going to matter to my advisor?” — that’s a fair question. At Dinergy, the answer is simple: yes, you do. And you always will.

Because we’re not playing by Wall Street’s shifting rules. We’re playing for you.

Please contact us through the contact page HERE, directly to Joe Lind at jlind@dinergywealth.com or call Joe at 513-878-0195. Remember, we focus on growth – done TOGETHER.