Our Approach

We are deeply committed to delivering a first-class wealth management experience for you and your loved ones by combining the personal touch of a small, dedicated team, with the vast capabilities of a leading financial firm. By actively listening, we gain insights into the passions that drive you, the concerns that keep you up at night, and the distinct dreams you have for the future. Our ultimate goal is to assist you in navigating any challenges that may arise so that you can remain focused on enjoying every step of your journey.

Our Team

I started working in the financial services industry in 2004, shortly after finishing my undergraduate studies at Stanford University and I joined Merrill Lynch Wealth Management in 2011, following the completion of my MBA program at UCLA Anderson School of Management.  In addition, I became a Chartered Financial Analyst® (CFA®) charterholder in 2013, which is an intellectually rigorous and widely recognized financial industry designation that represents a commitment to professional excellence and high ethical standards. 

I am supported by a highly experienced team of specialists that are talented, credentialed and serve as subject matter experts in their respective domains, such as Capital Markets, Trust & Estate strategy, Charitable Giving, and Lending.  We work closely together to help ensure that every client receives comprehensive guidance and benefits from the full breadth of wealth management services that are available here at Merrill Lynch Wealth Management. 

Let's Connect

To schedule an Introductory Zoom Meeting, please text us at the number above, or send an email to:
 with your first and last name, as well as the date & time that work best for you. 

For more information regarding Who we Serve, What we Offer and Our Unique Value, please refer to the Understanding Your Life section below.

*Lending Services are through Bank of America, N.A.


    English & Spanish


    Stanford University

    UCLA Anderson School of Management

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.

John Karsnitz

Investment Solutions Group Portfolio Strategist

Bank of America, N.A.

Jean Y. Kim

Wealth Strategist


Richard Mitchell

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #680263

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


We value building deep, personal relationships with every client, providing a level of care and attention that often goes beyond expectations. Because we understand that your goals and objectives are unique, our wealth management services are customized to reflect your specific circumstances, priorities, and values. Let us collaborate with you on your journey to enduring prosperity.

Who We Serve

Working Professionals & Retirees

We are privileged to work with a diverse group of affluent clients from all walks of life – working professionals in various industries like technology, healthcare, finance, entertainment, law and real estate, as well as those who have retired after a long, productive career.

Business Leaders

We have extensive experience in supporting business leaders across a variety of enterprise settings – whether their companies are closely held, venture-backed or publicly traded.

Let's Take a Deeper Dive . . . 

Private Business Owners

For most private business owners, the company that they have built over the course of many years, even decades, is an immense source of pride.  Competing effectively and winning in their industry, delivering for their customers, rewarding their team members, and consistently growing revenues and profits are all critical elements of their long-term success.  Developing the next generation of leadership and determining the best exit strategy are also key objectives that require thoughtful consideration and planning.  We embrace the opportunity to provide resources and appropriate solutions as you pursue your most important goals, with respect to your business, your family, and ultimately your legacy.

Venture-backed Founders

It takes incredible courage, vision, and resilience to be at the forefront of innovation, focusing relentlessly on the next big idea that will revolutionize an industry, or even create a whole new category of products and services that didn't exist previously.  Telling their story in a compelling way, raising capital, attracting and retaining top talent, and successfully achieving key business milestones on schedule all require tremendous commitment, energy, and discipline.  While you are focused on changing the world, we will be there to provide simplicity and clarity amidst the inevitable complexity in life, helping you to identify, prioritize, and ultimately achieve the goals that are most meaningful to you.

Corporate Executives

Excelling as Senior Leader in a large corporation requires a broad range of skills that are relatively rare - high level strategic vision, innovative thinking, effective communication, and efficient delegation of key business objectives to the broader leadership team.  Balancing the needs of various stakeholders, whether they be team members, clients, vendors, or the communities in which the company operates, demands insightful wisdom and sound judgement.  With such a vast span of control in an increasingly complex world, we will work with you to map out and help achieve the goals and objectives that matter most to you, both personally and professionally.


Finance leaders support many critical objectives in operating companies, including raising capital, allocating resources, reporting financial results, and communicating with investors and lenders.  When finance organizations are relatively lean, they can benefit greatly from our fiduciary approach to cash management services, where we emphasize high quality and liquidity, while also seeking to generate an attractive yield.  While our management style is discretionary, we will conduct regular reviews to help ensure the portfolio continues reflecting the needs and goals of the company.


What We Offer

We seek to engage and advise our clients across a wide spectrum of important financial considerations. 

Wealth Planning

Our approach is grounded in an extensive discovery process, where we create a clear picture of your current assets and liabilities, a realistic projection of your future income and expenses, and a robust analysis of whether you are on track to achieve your goals and objectives. 

Asset Titling

Preparing for unexpected life events is critical, and we will work diligently to ensure that your assets are properly titled to ensure a smooth transition between spouses and other designated beneficiaries.  We also embrace the opportunity to facilitate family meetings so that your designated heirs are prepared to be responsible stewards of the family’s wealth and resources. 

Charitable Giving

We will work closely with you to identify the most efficient methods to gift and support organizations and causes that are personally meaningful to you and your family.

Lending through Bank of America, N.A.

Whether you need financing to purchase a primary residence, an investment real estate property, or to start or grow a business, we will be there to help you evaluate the most cost-effective method of borrowing to achieve your goals.


It is our privilege to serve you and our team is truly dedicated to simplifying all aspects of your financial life, including collaborating with your legal and tax advisors when appropriate. 

Our Unique Value

For many clients, it may not be easy to understand that differences across wealth management firms or the financial professionals that represent them locally.  But you can feel confident in making an informed decision by considering the following simple questions:

  • Are the fees that I am paying reasonable?
  • Are the taxes that I am paying acceptable?
  • Am I receiving comprehensive advice and guidance?
  • Am I on track to achieve my goals and objectives?

Pay Less Fees

If you are currently paying your financial professional 1% of your investable assets for advice, that could easily add up to tens of thousands of dollars per year, and hundreds of thousands of dollars over the next decade.  We know we can do better than that.

Pay Less Taxes

Short-term buying and selling of securities may potentially trigger significant tax liabilities due to realized gains.  We emphasize longer holding periods for high quality investments that can deliver value and help minimize unnecessary taxes.

Comprehensive Advice

Financial professionals often focus on investments, but they may not be advising you with respect to your lending needs, your charitable intent, or your strategy to efficiently transfer assets to your loved ones.  Let us work with you to discuss the full spectrum of your financial concerns and to create a roadmap that will help ensure that you are on track to achieve your goals.

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.


    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.

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      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.

      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.