Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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Profile

David Carbone is a Vice President, a Financial Advisor, and a founder of Carbone & Associates, a wealth management team with Merrill® in Beverly Hills, California. David provides tailored advice and guidance to businesses and high-net-worth individuals and families, helping them pursue informed decisions that reflect their distinctive priorities and interests. Forward looking, he strives to connect clients to the capabilities and offerings that can have a meaningful impact on their long-term success, supporting them as they pursue a more secure and cohesive financial future.
 
Well versed in multiple aspects of wealth management, David begins each relationship by listening closely to each client’s background, circumstances, and ambitions. He then looks to integrate the various components of a client’s financial life into a more purposeful whole, like solving an intriguing puzzle. He is gratified to help clients simplify complexity, resolve issues, and take measurable steps toward the future they envision for themselves, their families, their businesses, and their communities.

Clients look to David for assistance with diverse needs, from portfolio design and lending, to trust and estate planning services, higher education savings, and long-term strategy. He also offers the knowledge he has gained about alternative investments, including private equity and hedge funds.

David has worked in wealth management since 2012. He began his career as an Institutional Retirement Consultant with Paychex, where he gained valuable insight into the design, implementation, and servicing of 401(k), pension, and corporate retirement plans. Three years later, he broadened his responsibilities, becoming a Financial Advisor with Merrill Lynch and addressing the needs of both institutional and high-net-worth clients. In 2017, David moved to Citigroup Global Markets, where he served in a similar capacity before returning to his roots at Merrill in 2019.

Within the firm, David holds the designation of Portfolio Manager. A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies.

In his free time, David enjoys boxing and skiing.

I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.

  • EDUCATION

    Liberty High School

Professional Staff

Supported by the global resources of Merrill, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Vahe Saroian

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #633121

Michael Powers

Wealth Strategist

Merrill

Orbel Shakhmalian

Wealth Management Banking Specialist

Merrill

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

My mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. I help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. My wealth management approach is about using wealth to help turn goals into reality.

Philosophy

I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Capabilities

My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.



Reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    #DigitalMerrill

    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


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      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.



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      Transcript of Video 

      No question too big or moment too small

      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.