Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
DAVID EARL SPENCER works primarily with:
1. Physicians, Nurses & Healthcare Professionals
2. Business Owners & C-Level Executives
3. Other Professionals Nearing Retirement
I believe clients value the disciplined approach I bring to each relationship, and they understand that an effective retirement and wealth management strategy will address every important aspect of their financial life.
The focus is on several key areas. First, I listen carefully to make sure that to understand you and your goals, your time horizon and risk capacity.
I follow a proven process:
1. Assess your current financial situation
2. Articulate your needs and prioritize your financial goals
3. Develop recommendations based on your desired outcomes
4. Implement personalized goals-based strategies that fit your needs
5. Regularly review your progress to goals
As you consider your financial outlook, and what is at stake, it is essential that you are working with an advisor that understands the intricacies of all stages of the wealth management process. You need someone to help you build and grow your assets during your wealth accumulation stage (pre-retirement), a someone to help you manage income during your distribution stage (retirement), and someone to help you during your transition stage (estate planning needs). David Earl Spencer provides advice and guidance in each of these important life stages - for you and your family.
My most deeply held principle at Merrill is, "Clients Come First". As part of that tradition, I strive to understand your specific needs. Once I have a firm understanding of what matters most to you, my team and I can offer the depth of Merrill resources to support a disciplined wealth management process.
My team, Broadway Wealth Management Group is a financial advisory team you can trust for advice and guidance at every important moment and life event. When you put your trust & confidence in us, and follow our advice and guidance, we are able to help you reach your financial goals and objectives. Helping you achieve wealth is our commitment; helping you achieve life is our difference. Let us put our powerful resources to work for you.
DAVID EARL SPENCER:
Wealth Management Advisor, Senior Portfolio Advisor
David Earl Spencer has worked within the financial services industry since 1999 as a management consultant. Prior to joining Merrill Lynch Wealth Management in 2007 as a financial advisor, he worked exclusively with banks, credit unions and insurance companies successfully developing and marketing financial products and services. His background in Financial Services affords him an in-depth perspective that clients find valuable in viewing the broader scope of their financial needs.
David earned a Master's Degree in Finance (Financial Analysis and Investment Management) from Saint Mary’s College of California, and also completed a Professional Sequence in Personal Financial Planning, and holds a Certification in Integrated Marketing Communications from the University of California at Berkeley. David served on the Leadership Council for the American Red Cross and the Advisory Board for the UC Berkeley Financial Planning Program.
Saint Mary's College of California
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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.
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 periodically 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.
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.
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
We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue 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.
We put you first, every day.
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.