Charles Alfaro

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Profile

For Charles Alfaro, a relentless work ethic, integrity, and analytical mindset drive his success as a Financial Advisor. He puts these three qualities to work every day and is committed to delivering exceptional service to each client. He dedicates his time to develop deep personal relationships with every client, digging deep for potential risks or opportunities based on their unique needs.

As a Financial Advisor for The Post Espinola Group, Charles regularly advises individuals and business owners, helping to build customized investment strategies to help them achieve their goals. While sometimes an email or phone call may suffice, he prefers face-to-face interactions where he can get a deeper understanding of each client's needs and goals. He takes the time to sort through the financial complexities of each client’s life, using his detail-oriented mindset and analytical skills. This personalized approach to wealth management allows Charles to create a detailed plan based on personal values, philanthropic endeavors, objectives and timelines, income requirements, risk thresholds, and tax situations.

Charles prides himself on getting to know each client on a personal level and being bilingual has served him well in that area. Whether it’s retirement planning, estate planning services, investments, taxes or insurance, his goal is to drive financial performance through rigorous research, client service, and a commitment to enduring wealth.

Charles is a graduate from the University of California, Irvine. In addition to his advising time, he enjoys planning the company’s community outreach events. Staying in touch with local residents and businesses is invaluable for creating and nurturing lasting relationships with clients and the community. Away from the office, he enjoys music, art, and spending time with his family.

  • EDUCATION

    University of California, Irvine

  • LANGUAGES

    English & Spanish

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

At The Post Espinola Group, we’ve built a talented team of financial advisors and access to specialists who work together to create a personalized wealth management strategy for each of our clients. We'll first help you gain an accurate picture of your existing wealth. Then we determine the best course of action for achieving your goals in the future.

Together, we can help create a plan that reflects your level of risk tolerance. Beyond that, we provide ongoing support that is both proactive and reactive to current market trends. You’re never alone when it comes time to make a major financial decision. Our entire team is at your disposal, and each one of us is committed to working towards the preservation of your wealth and stability.

Our team excels at number-crunching. More importantly, we value building personal relationships with our clients. We don’t just consider your assets, we consider your life: your passions, your goals, your fears, and your dreams.

Become part of The Post Espinola Group family and you’ll benefit from the care and attention to detail you won’t find anywhere else. You’ll be surprised by the financial confidence that comes with having a holistic wealth management strategy in place.

Explore our site to learn more about the clients we work with and the exceptional services we provide.

What You Can Expect

At The Post Espinola Group, we want to get to know you. Our partnership starts with an in-person discovery meeting where we take a comprehensive look at your life and finances. We’re happy to visit you at the location of your choice, whether it’s at your own home or at our Indian Wells office.

We ask detailed questions about your family, your life, your spending, and your goals so we can account for all of life’s variables in our proposed plan for you. Soon after that initial meeting, we’ll send you a roadmap for the future with specific suggestions and adjustments to help you achieve your goals.

You and your financial advisor will then sit down together again and look at your customized investment strategy. Our goal is to help your portfolio match your risk tolerance in a way that works for your financial situation.  

No matter how complex your finances or business might be, our team is well-equipped to help. In addition to our leading wealth management and financial advisors, we also provide access to specialists with expert knowledge in areas such as trusts, retirement, insurance, annuities, and small business banking through Bank of America, N.A.

These team members offer extra support to make sure your investment strategy is truly optimized. Our goal is to help you prioritize your life and create attainable milestones that reflect your values.

Our Philosophy

We believe in a personal approach for clients with The Post Espinola Group. We work hard to educate our clients so they can make smart financial decisions that can lead to lasting positive results. Often, that involves having honest conversations about creating a disciplined approach to wealth management. At other times, it might involve a simple reassurance that market volatility is impermanent and can be shouldered using backup plans.

Whatever the case, our team is devoted to treating our clients like family. We spend as much time as it takes in helping clients understand their existing assets as well as their wealth outlooks. We also know that this sometimes needs to happen during some of life’s most difficult moments, whether it’s the loss of a loved one or an economic downturn. We’re here to listen, motivated solely by you and your family’s best interests.

Our clients have come to rely on the stability and transparency of our team. We believe in providing practical advice that mitigates risk as much as possible.

We come to the office each day with a sense of purpose and genuine enjoyment of the work we do. We like working with our clients, and we think you’ll like working with us.

Our current clients and referrals trust us to help tackle some of life’s biggest decisions and we feel honored to be part of that journey.

Your Goals

Our recommended investment strategies are based on your specific goals. We help individuals with retirement planning as well as trust and estate planning services. We provide access to specialists in these areas offer you optimized strategies no matter how complex your financial situation may be.

Alternatively, you may need help defining and planning both your essential and aspirational life goals. We provide sound, realistic advice that balances longevity of wealth preservation with living the life you want, whether that includes leisure activities, continuing education, or even access to your ideal health care options.

Businesses can also benefit from our services, which range from providing a cash flow analysis to managing the company’s 401(k) plan.

When working with The Post Espinola Group, you’ll have a knowledgeable advisor dedicated to your portfolio, plus the assistance of multiple specialists and support team members.

Life is complex, and we know your goals can’t be attained with a “set it and forget it" mentality. Not only can changes in the market occur, but other unforeseen circumstances can trigger a reevaluation of your strategy. We maintain regular contact with you so we can coordinate your portfolio to reflect what’s happening in the market and what’s happening in your life.

The Clients We Serve

At The Post Espinola Group, we leverage a broad range of experience from our team to assist individuals, entrepreneurs, businesses, charities, and 401(k) plans in multiple financial areas. We advise on retirement plans, alternative investments, managed accounts, insurance, and annuities, as well as lending and banking through Bank of America, N.A.

Because our clients often have complex and diverse financial backgrounds, we work hard to create long-term strategies that align with their individual values and goals. We provide access to specialists who offer additional insights when it comes to developing and reviewing specific cases for clients.

No matter what your wealth management goals may be, we can help. We’re here to turn any goal into a reality, whether you want to ensure intergenerational wealth or start a philanthropic foundation.

We’re also proud that the majority of our clients are referred to us by existing clients. That means we’ve earned a place of trust and value that has continually resulted in positive outcomes for the individuals, families, and businesses we work with.

The Post Espinola Group is located in California’s Coachella Valley, but we assist clients across the U.S.

*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
 

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

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.

Staying on Track

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 you stay on track to achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

    Monitoring changes in your life and to your goals
    Monitoring changes in your life and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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    Access to what you need, when you need it

    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

      *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. Merrill Lynch Wealth Management 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.

      Let’s Have a Conversation

      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.

      Why Merrill Lynch?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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.

      Personalized advice from a dedicated financial advisor.

      Getting to know you is our primary goal.

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

      Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your plan as your life and the markets change.

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