Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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 investment 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 Lynch 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 Lynch 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:
Assistant Vice President
Senior Financial 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 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
We along with your tax professional can help you understand how it might affect your investment strategy
Supported by the global resources of Merrill Lynch, 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 Lynch 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.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
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 strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs – a caring advisor who can leverage the investment insights of Merrill Lynch and access to the banking convenience of Bank of America to help clients face today’s financial and economic landscape. Let’s work together to help you achieve your goals.
As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy 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.