Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
- Insurance3
Hratch Andreassian, CFP®, CIMA®, CPWA®
Vice President
Wealth Management Advisor
Hratch works with high-net-worth individuals, business owners and institutional clients to help meet their goals; whether it’s portfolio and retirement income management, liability and liquidity management, sophisticated business and estate planning strategies, philanthropic giving or leaving a legacy for the future generations.
With over 15 years of experience, Hratch brings a seasoned perspective to managing and simplifying the financial lives of his clients by leveraging the resources and services of one of the world's largest investment firms with a thoroughly customized and personalized approach to wealth management.
Hratch is dedicated to offering world-class service, advice and guidance. In addition to his MBA degree with a concentration in finance, Hratch has obtained three of the top certifications in our industry: CFP® professional, CIMA® and CPWA® from leading institutions and completes continuing professional education on an annual basis.
Certified Private Wealth Advisor® (CPWA®) designation is awarded by the Investments & Wealth Institute™ and taught in conjunction with The Booth School of Business at the University of Chicago. This designation allows Hratch to focus on array of wealth management topics, including asset preservation strategies, executive compensation plans, stock options, tax-efficient portfolios, business planning, retirement income planning, charitable planning and estate planning strategies.
Certified Investment Management Analyst® (CIMA®) is an advanced professional certification awarded by the Investments & Wealth Institute™ and taught in conjunction with The Wharton School at the University of Pennsylvania. The CIMA® certification integrates a complex body of investment knowledge to provide objective advice to individuals and institutions and is the only credential designed specifically for financial professionals who want to attain a high level of competency as an advanced investment consultant.
The CERTIFIED FINANCIAL PLANNER™ (CFP®) certification is one of the most recognized and respected credentials in the financial services profession. To earn his CFP® certification, Hratch had to meet Certified Financial Planner Board of Standards Inc.’s rigorous standards of education, examination, experience and ethics.
In his spare time, Hratch enjoys yoga, golf, skiing, ice hockey, reading and photography. He lives in Glendale, California with his wife Olga, son Michael and daughters Sophia and Isabella.
Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S. Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®. Use of CIMA®, and/or Certified Investment Management Analyst® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for investment management professionals.
English, Russian & Armenian
University of Chicago, Booth School of Business
University of Pennsylvania, The Wharton School
American University of Armenia
Yerevan State University
Learn more about the highly engaging podcast series from Merrill Lynch
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.
Senior Wealth Management Lending Officer, NMLS #637482
Insurance Specialist
Trust Specialist
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.
You are now leaving Bank of America Merrill Lynch.
By clicking Continue, you will be taken to a website that is not affiliated with Bank of America Merrill Lynch and may offer a different privacy policy and level of security. Bank of America Merrill Lynch is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites.
You can click the Cancel button now to return to the previous page.