Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
As a husband and a father I feel it is my duty to provide my family with the emotional support and financial stability we require to navigate the challenges that life presents. Understanding that each obstacle requires a different approach helps me to be that person they can rely on during both certain and uncertain times. I strive to provide a similar foundation to my business and client relationships. Given the volatile nature of the financial markets over the past several years, many people have lost faith in their ability to effectively plan and achieve their financial goals. My focus is to restore that faith and put clients back on track through the prudent balance of risk management and allocation structure within their portfolios.
I am dedicated to providing a one stop, concierge style wealth planning service. Clients leverage my knowledge and the vast network of resources I have to provide the most convenient strategies to help meet their needs. I also work with clients’ attorneys and tax advisors to address their specific financial situations and estate planning issues. This allows clients to focus on what is important to them: their families, health and professions.
My business philosophy is built on five primary goals:
1. Concierge style financial service for clients and their families
2. Understanding client’s needs and objectives
3. Providing clients capital markets understanding
4. Preserving client assets, while still participating in the markets
I earned my BA degree in psychology with a business specialization from UCLA in 2000. I have worked in the financial services industry since 2005, joining Bank of America/Merrill Lynch in 2006. I reside in the San Elijo Hills community of San Marcos, CA with my beautiful wife Jessica and sons Luca & Gianni. I am an active member of my church and spend my free time running, cooking and enjoying San Diego County with my family and friends.
The cornerstone of my client service team is Kathryn Alvarez. Kathryn is a Registered Senior Client Associate and has provided the foundation of my business since joining the team at the beginning of 2016. Kathryn is a graduate of San Diego State University with a Business Management degree. She has broad experience with the firm, beginning in Operations in 2004 and subsequently serving in Management and Financial Advisor Support roles. Kathryn lives in Carlsbad, CA with her husband Tyson and children Stella and Dylan. She offers clients the operational and administrative support they need to update information, process money movements and assist when I am engaged in other client matters.
Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S. CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning.
I follow the deep-seated Merrill Lynch tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
We along with your tax professional can help you understand how it might affect your investment strategy
The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.
Structured Credit Specialist
Wealth Management Lending Officer, NMLS #347701
We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.