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Tune out the noise: Wealth planning for the year ahead
Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.
Merrill Lynch
Wealth Management
Through careful analyses of the markets and clients’ appetite for risk, I connect the dots in their lives with customized strategies that help put their wealth to work and goals within reach.
Profile
Sean is celebrating more than 20 years at Merrill Lynch Wealth Management and relationships with a diverse clientele that span generations of their families. Today, he continues to assist and attract high-net-worth individuals in California and more than 15 other states – crafting customized financial strategies that reflect their personal and professional goals.
A former mechanical engineer with the Department of Defense, Sean is passionate about using his extensive analytical skills to examine market dynamics and behavior, corporate balance sheets and specific investments. Sharing his insights with clients – and showing them how analyses relate to their objectives – Sean brings full transparency and his personal integrity to each client and, in many cases, their extended families.
Sean is proud that a majority of clients has been referred – and considers him a “first call” for virtually any financial decision. They include active and retired business owners, physicians, attorneys, and a growing number of successful women and men entering their peak earning years. Working with both spouses and looking out for entire families, Sean is a caring steward of clients’ best interests – both financial and emotional. He believes that clients feel comfortable knowing that he listens carefully and works diligently – to help them achieve meaningful goals with minimal stress along the way.
With “retirement” the primary focus of clients who want to preserve and grow their wealth, Sean helps them determine tax-efficient income distribution strategies, examine Social Security scenarios, evaluate the need for long-term care and other forms of insurance. He also helps clients with legacy planning by introducing gifting and charitable giving strategies, as examples.
When it comes to investing, Sean uses Merrill model portfolios and builds his own. In addition to a client’s investment timeline, liquidity needs and financial goals, Sean finds their “risk tolerance” most critical. On behalf of each client, he formulates a tailored portfolio with stocks, bonds and ETFs. In some cases, he introduces alternative investments* – allowing clients to benefit from non-correlated assets that can offer reduced volatility.
Having joined Bank of America in 2000 before moving to Merrill, Sean pays close attention to both sides of clients’ balance sheets. His familiarity with the specialists and resources of Bank of America, N.A. allows him to bring clients both insight and access to residential, securities-based, and commercial banking solutions. He also coordinates with clients’ CPAs and attorneys to align tax-minimization and estate planning strategies.
Sean is a lifetime learner with multiple credentials that reflect his rigorous and ongoing industry training. He holds the Certified Private Wealth Advisor® certification, administered by the Investments & Wealth Institute™ (The Institute). He is also a Portfolio Manager who can help clients pursue their objectives by managing on a discretionary basis his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies.
Sean “graduated twice” from California Polytechnic State University – first with a Bachelor of Science degree in Engineering and later with an MBA (during which time he became fascinated with the securities markets). A father of three, Sean resides in Coto de Caza with his wife, Rozina, and their children. In addition to family travel, he relishes time spent outdoors – mountain biking, playing golf and fishing.
*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
*NMLS#633450
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EDUCATION
California State University System
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Professional Staff
Supported by the global resources of Merrill, my 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.
Richard Mitchell
Wealth Management Lending Officer
Bank of America, N.A.
NMLS #680263
Sara Shamszadeh
Wealth Management Banking Specialist
Merrill
Staying on Track
We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.
Reviews to help you
stay on track
We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.
Changes in your life
and to your goals
Your life and goals change. As these changes occur, we can update your approach to reflect them.
#DigitalMerrill
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
Let’s Have a Conversation
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
Why Merrill?
As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and 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 Wealth Management Advisor.
Transcript of Video
No question too big or moment too small
For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.
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