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- Trust & Estate Planning Services4
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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) and the Chartered Retirement Planning Counselor℠ designation through the College for Financial Planning. 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.
California State University System
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.
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.
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.
Wealth Management Banking Specialist
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
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.
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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.
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.
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We get to know you and your family, your financial situation and what matters most to you.
Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.