Megan Stirrat

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Megan Stirrat, CDFA, CFP

Senior Vice President
Wealth Management Advisor

We approach our clients with sensitivity and authenticity - especially when life's transitions create finanical and emotional challenges.

Profile

Meeting the financial and organizational needs of women (and men) before, throughout and after the divorce process, Megan Stirrat has built a growing reputation for her “sensible and sensitive” approach, her invaluable guidance, and her ability to connect clients with others who can help.

Working with clients in California and out-of-state – and with professionals including therapists, attorneys and accountants – Megan has become a sought-after speaker at divorce care workshops nationwide and a key resource for many who benefit from her advice, even before becoming clients.

Megan finds tremendous fulfillment assisting clients at this challenging time in their lives. Educating them on “what they own and owe,” she begins by listening closely. In some cases, she saves clients time and money by offering direction that helps organize their affairs before meeting with an attorney. In other instances, Megan assists clients who’ve completed the divorce process plan for the road ahead – creating new budgets and educating them on how their lives might need to change: whether selling a home is wise, when and whether to return to the workplace, and often, helping them achieve a needed life balance for parent and child.

Megan further explains the need to balance what should be a conservative asset allocation with the opportunity for growth. “Not growing is not an option,” says Megan. “So we create what I call ‘diversified sources of income’ – from bonds, dividend-paying high-quality stocks, annuities, pensions and spousal support, when it exists. The goal is a solid portfolio that isn’t compromised by market volatility. Clients have enough stress in their lives. They need a solid wealth management strategy that can provide predicable income with the potential for growth. A part of each plan, I put measures in place to prevent ‘spending through their money’ or ‘healing through splurging.’ It’s gratifying to get clients moving toward where they need to go, taking as little risk as possible.”

For many clients, their children’s wellbeing is a major concern, as are their questions, including: Will too much salary affect alimony? And, Is selling investments before or after divorce the best option? “I’m not a lawyer or accountant, but I understand much of what clients need to know. Of course, retirement is always a looming concern for all clients. There, I help ensure that necessary funds will be there later,” adds Megan.

Recognizing the value of education and being clear at a time when much of life is not, Megan helps clients appreciate components in their portfolio and explains – in simple terms – the complex role that investments play. In guiding individuals through significant transitions in life, including retirement and divorce, Megan recognizes that her clients changing and complex financial pictures include many legal and emotional components. But, as Megan points out, “Most attorneys are not financial experts – and most accountants aren’t knowledgeable about the effects of divorce. That’s why I work in both areas, creating strategies that minimize capital gains or tax ramifications.

Especially valued by those who need a trusted financial advisor when “trust” is hard to come by, Megan feels privileged to serve as a confidential resource and a stabilizing influence. “What I help clients do is relax and take the right steps – to live comfortably now and build the right financial strategy, one that will see them through retirement.”

Having completed training in the financial issues of divorce through the Institute for Divorce Financial Analysts™,” Megan earned her “divorce designation” in 2006 as a Certified Divorce Financial Analyst (CDFA®).

Most valuable to clients, however, is Megan’s personal devotion to them and the significant time she spends helping sort through their current situation, challenges and options. Beginning often by “examining cardboard boxes with clients’ financial lives inside,” Megan invests her energy and experience to create a starting point and next steps for each of them.

Regardless of the stage of divorce, Megan plays a valuable role for clients, serving as an integral member of their divorce team (often their quarterback) by working and connecting them with attorneys, mediators, therapists, real estate agents and more. Megan also leads monthly “Suddenly Single” workshops and quarterly “What Women Need to Know About Divorce” seminars.

Megan joined Merrill Lynch in 1999 after earning a Bachelor’s degree in Political Economics from Michigan State University, where she was a member of the women’s crew team that competed in the NCAA Championships. A “loyal and loud” Spartans fan, Megan served for many years as President of the Michigan State University Orange County Alumni Club. She is also a former board member of Susan G. Komen for the Cure. When she “relaxes,” Megan enjoys spending time with her husband, Mark, and their three children.

  • EDUCATION

    Michigan State University

Professional Staff

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

Jack L Rosovsky

Jack L Rosovsky

Financial Advisor

949.598.5442
Kristen  Lee

Kristen Lee

Client Associate

949.859.2923

Where do we begin? It starts with you.

At Merrill Lynch, 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 your priorities. 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 then help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals without unnecessary investment risk. My wealth management approach is about using wealth to help turn goals into reality. When you succeed, I succeed.

Philosophy

I believe that the best financial strategy 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 on to future generations? With access to the investing insights of Merrill Lynch and the banking convenience of Bank of America, I will work with you to develop strategies that are designed to address your priorities and financial needs.

Approach

I begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, I start by listening to learn more about you.

Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, I can help customize the financial strategy we develop together.

Capabilities

My process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. My ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. I can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

Focus On Individuals and Families

I work primarily with high-net-worth individuals and families. I’ll begin by getting to know you as we explore the following seven priorities together:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals
I work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

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

Your Financial Strategy

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.

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 give you peace of mind* that you're on track to help 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
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 destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’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. 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 financial 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 financial advisor.





Transcript of Video

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 Lynch, 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.