Price Group

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Price Group

Wealth Management
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Merrill Lynch
Wealth Management
We are committed to understanding your values and what you want to accomplish with your assets. We believe that the one-on-one relationships we develop help foster mutual trust and respect…and allow us to concentrate on helping you pursue your life goals and plan for your legacy.

Price Group

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Welcome

Our team works with retirees, busy professionals, and families who have significant assets, but lack the time or inclination to focus on the many details involved in managing them.  We simplify the complex aspects of their financial lives, providing them with personal attention and outstanding service. We provide a wide range of services including portfolio construction, discretionary portfolio management, asset allocation, tax minimization strategies, retirement income strategies, college planning, estate planning services, and wealth transfer strategies.

Combining my investing experience with the vast resources available at Merrill Lynch Wealth Management, we develop a strategy that is tailored specifically to each client’s unique needs and goals. We implement a plan and review every detail regularly to help make sure you stay on track and adjust to any changes in your life. Though each client’s situation is different, our overall goal is to preserve and grow your assets, minimize the effects of taxes and inflation, and avoid costly mistakes.

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Our Philosophy centers on a few core principles…


Focus on the things we are able to control.
When it comes to investing, there are many things that are out of our control…the markets, interest rates and the Federal Reserve, tax rates, unexpected news stories, quarterly earnings (whether bad or good), talking heads on CNBC…and many more. On the other hand, we are in control of how we allocate our portfolio across different asset classes, sectors and investments, how much we save and spend, and how we behave during periods of market turmoil. We strongly believe that focusing specifically on these things is the way to get the best outcomes for our clients, and that is where we concentrate our efforts.

Get to know you, Plan and Prepare. We believe in having a detailed understanding of your goals so that we can create a strategy to get you there. Buying a new home. Paying for a college education. Retiring at the age you desire. Gifting to charities, children or grandchildren. There are many events in life that we plan on, and we have tools at Merrill Lynch Wealth Management that help us make sure you are on track to achieve them. Of course there are also unexpected events, so we believe in preparing for those events too with appropriate cash reserves or short term investments.

Be aware of fees and taxes and their impact on investment returns. Research shows that reducing fees is one of the best ways to improve investment returns. We believe in using low cost investments such as Exchange Traded Funds (ETFs), and we discuss fees with our clients so that they can truly understand what they pay directly as well as what their internal investment expenses are. We also use tax advantaged investments such as municipal bonds, and we work with your tax advisor to make sure we are making the best recommendations in that area on your behalf.

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OUR PROCESS

1. Assessment and Review

• Get to know you and your family.
• Quantify your needs and goals.
• Review existing investments/income/spending/liabilities/insurance/account titling/beneficiaries.

2. Analysis and Planning
• Retirement/Cash Flow Analysis Report – How much should you save? How much can you spend?
• Determine an overall asset allocation and agree on an investment plan.

3. Implementation and Monitoring
• Implementation of the investment plan.
• Regular monitoring of investment vehicles and portfolio rebalancing.
• Responsive service model.  Team members either available or responsive in a timely fashion. 

4. Evaluation and Updates
• Quarterly or semi-annual portfolio reviews depending on your preference.
• Annual update of Retirement/Cash Flow Analysis Report to make sure you are on track.
• Updates to asset allocation/investments/beneficiaries/overall plan based on changes in your life.
• Performance monitoring and investment vehicle due diligence.

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Investment Management
Portfolio Construction
Asset Allocation and Diversification
Rebalancing
Performance Tracking
Retirement Account Services
Required Minimum Distributions
Traditional vs. Roth IRA Discussions
Inherited IRA Management
Account Administration
Personalized Account Service
Account Activity Questions
Fraud Assistance

Coordination with your External Advisors
Tax Planning with your CPA
Trust Planning with your Estate Attorney
Working with your Real Estate Professionals

Banking Services *               
Checking and Savings                                                
Cash Management                                                      
Rewards Credit Cards                                      
Wealth Transfer
Revocable Living Trusts
Estate Settlement
Family Dynamics                                                      
Education for Children/Grandchildren                        
Budget Planning
Financial Literacy Classes
Philanthropic Planning
Charitable Gifting from IRAs
Donor Advised Funds
Credit and Liquidity *
Primary Residence Mortgages
Vacation/Investment Property Financing
Securities Based Lending
Auto Financing

Retirement Planning
Detailed Retirement Analysis Reports
Future Cash Flow Planning     
Social Security Timing Discussions
Tax Minimization
Municipal Bond Investing
Tax Loss Harvesting
Strategic Investing
Estate Settlement
Historical Pricing
Account aggregation
Lost Dividend Checks
Insurance **
Term Life Insurance
Whole Life Insurance
Long Term Care Insurance
Professional Trust Services ***
Assistance for Family Trustees
Corporate Trustee Services           
Business Services
Business Banking/Cash Management
Lines of Credit
Business Valuation
Investment Banking/Sale of Business
Education Planning
529 College Savings Accounts
* Banking and Lending Services are through Bank of America, N.A.
** Merrill Life Agency's California License Number 0522776
*** Trust Services provided by Bank of America Private Bank

I have recently begun volunteering with the Best Day Foundation which is an organization that provides adventure activities for children and young adults with autism, Down syndrome, cerebral palsy and other special needs. The San Diego chapter of the foundation provides a special day for these kids by taking them surfing. I am part of the water team who takes them out into the surf and controls the board as we ride the waves together. It’s been an incredibly rewarding experience and I’m excited to participate in more events in the future. — Dave

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On June 26,2018 I had opportunity to serve alongside of Junior Achievement in teaching Financial Literacy to 5th grade students of Kimbrough Elementary. I covered the following topics:  The Basics of Budgeting, Understanding Economics, Product Innovation? How to Apply for a Career and How to Write a Resume.  In the beginning of the class, I  asked “What would you do if you had a $100 today?”  I was blown away to hear their answers. A handful said, they would give it to the homeless, some said they will give it to their parents so that they can pay rent or buy food, and others said they will take $50 to save it first and then spend the other $50.  I was so fortunate to be around students who are eager to learn and participate in expanding their knowledge about finance. I look forward to serving in this capacity again in the future. — Christyn

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Get To Know Us

Supported by the global resources of Merrill, our 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.

Nadine Allo

Nadine Allo

Wealth Management Banking Specialist

Merrill Lynch

Lindsay Goodman

Lindsay Goodman

Retail Sales Manager

Bank of America, N.A.

NMLS #632987

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.

<br />Regular reviews to help you stay<br />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.

    <br />Monitoring changes in your life<br />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.

    Wealth Management Your Way

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

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

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

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we 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.