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.

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Zachariah Klippel, CEPA

Senior Vice President
Financial Advisor
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Merrill Lynch
Wealth Management

Whatever your personal goals may be, I will work with you to develop a personalized financial approach designed to help you pursue what’s most important to you.

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How we help clients build a plan that plots a steady course to retirement.

Profile

Zach Klippel is a Senior Vice President and Financial Advisor with Merrill in Beverly Hills, California. Zach provides one-on-one guidance, detailed strategy, and reliable service to high-net-worth individuals and families, helping them deploy their wealth more efficiently. He has significant depth catering to the needs of professionals—particularly attorneys—helping them streamline the intersection of their personal and professional finances.

Zach strives to provide clients with a precious commodity: more time. By overseeing the day-to-day management of their wealth, he looks to support clients in regaining time for their families, careers, or other passions. A veteran Financial Advisor, he is well versed in multiple aspects of wealth management, from portfolio design and retirement strategy to cash-flow analysis, trust and estate planning services, and higher-education savings. Zach also provides clients with access to banking services and residential lending through Bank of America.

Having advised a number of attorneys, Zach offers a refined understanding of their professional lifecycle—from Associate to Partner at Law Firms—and looks to connect clients to the ideas and best practices that can have a meaningful impact on their long-term success. He also offers tailored advice to other wealth builders, including executives, business owners, and entrepreneurs, helping them weigh the opportunities at their disposal and pursue informed decisions. A strong relationship builder, Zach is honored that referrals constitute the primary source of his new relationships.

Zach has worked in wealth management and banking since 1999. Prior to joining Merrill, he was a Private Banker and Senior Vice President with Citi Private Bank's Law Firm Group in Beverly Hills. He earned his International Business Diploma from Langara College in Vancouver, British Columbia, Canada.

Originally from L.A., Zach spent some of his formative years in the U.K., France, and Canada. Proud to be back in his home city, he has served as a volunteer, board member, and treasurer for Strikers F.C., a youth travel soccer club. He has also served as a referee for AYSO, the American Youth Soccer Organization.

Zach and his wife live in the Westchester neighborhood of L.A. with their two children and their rescue dog. In his free time, Zach enjoys biking, traveling, sailing, and reading. He has a penchant for vintage Italian scooters and enjoys spending time outside, appreciating the beauties of the natural world.

*NMLS#541484 

  • EDUCATION

    Langara College

    West Vancouver High School

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.

Jason Angel

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #459929

Ramiro R Villegas

Wealth Management Banking Specialist

Merrill

Vahe Saroian

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #633121

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

My mission is to understand you and what matters most to you. 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 help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. My wealth management approach is about using wealth to help turn goals into reality.

Philosophy

I believe the best financial approach 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 to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Approach

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

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill 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 approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will 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 approach.

Capabilities

My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On Individuals, Families and Small Businesses

I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I start by getting to know you and how you feel about the following seven life priorities.

  • 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

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

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.

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      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.

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      Where are you on the road to retirement?

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      CIO Video: Market Volatility Update

      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.


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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.

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      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.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

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

      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.

      Adjusting your investment approach as your life and the markets change.

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