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ZSK & Associates

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Meet the Team

Supported by the global resources of Merrill, our 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.

Samantha C Sylvester

Samantha C Sylvester

Trust Specialist

Bank of America, N.A.

Kevin Lyon

Kevin Lyon

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #245687

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Timothy Baughman

Division Structured Credit Executive

Bank of America, N.A.

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

ZSK & Associates

Our team, ZSK & Associates, is privileged to advise a select number of affluent clients. We provide wealth management strategies and services to CEOs and executives of public and large private companies, as well as private business owners, venture capitalists, entrepreneurs and multi-generational family offices. Our clients are leaders in a number of industries including technology, private equity, venture capital and real estate. Whatever the source of wealth, clients value our emphasis on discipline, organization, transparency and trust. Our headquarters is in the heart of Silicon Valley, but our client base is geographically positioned throughout the United States. We are happy to engage with our clients wherever they are.

Experience Is Important

Our team brings continuity and experience in addressing client priorities. The founders of our team, Steve Zanolli, Jolon Staubli, and Alex Kahn have been in the industry for a total of over 35 years. Their partnership infuses our team with discipline and judgment honed over many years and market cycles. Our team’s credibility within Merrill Lynch Wealth Management enables us to execute and customize offerings that advance client interests. We have deep knowledge on the investment side, having spent countless hours harnessing and navigating the wide breadth of offerings within the Firm. We believe strongly in making our value concrete and measurable.

Rules Driven Investing

We continuously seek out investment strategies that align with client needs. Bolstered by the open architecture of Merrill Lynch Wealth Management, we evaluate investment offerings relative to individual client return profiles, risk parameters, tax implications and time horizons. We are rules-driven in our approach, adhering to the discipline conferred by regular rebalancing, asset class diversification and robust analytics.

Services for Affluent Clients

Our team offers the strategies and services required by significant wealth:

  • Asset allocation analysis
  • Active and passive independent manager implementation
  • Concentrated and restricted stock management
  • Wealth transfer strategies
  • Philanthropic strategies
  • Family office coordination
  • Customized lending advice

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

Your Financial Approach

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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

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.

Staying on Track

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.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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

      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.


      Merrill_Capabilities_Brochure.png  

      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.

      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.