Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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Katie Q. Pan, CPFA, CRPS, CIMA, CRPC

Senior Vice President
Wealth Management Advisor
Learn more about an advisor's background on
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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.

Profile

Katie served as the Resident Director of Merrill Lynch Wealth Management Arcadia office from 2014-2016 and is currently a Wealth Management Advisor. Her focus is on managing portfolios to enhance their return while controlling and maintaining the risk tolerance specifically tailored for each high net-worth client. She joined Merrill in 2010 after 14 years in the financial services and accounting industry, along with her team, are dedicated to providing clients with the finest individually tailored approach to financial and wealth management strategies. At the heart of Katie's philosophy is a passion to build enduring client relationships through her commitment to providing outstanding guidance and service.

Katie advises family foundations, medical doctors, business owners and high net-worth clients on wealth accumulation, preservation and transfer through the creation of individually customized wealth management strategies utilizing a defined process. Katie offers clients a wide range of services, including: portfolio development, foundation management, retirement and education planning, liability management, tax minimization, and asset preservation. She also provides sophisticated strategies pertaining to concentrated stock positions, company stock options, liquidity and alternative investment strategies.

Katie holds the designations of CIMA®, Certified Investment Management Analyst®, CRPC®, Chartered Retirement Planning Counselor, CRPS®, Chartered Retirement Plans Specialist, Retirement Accredited Financial Advisor, and brings a diverse business and finance background to clients. Katie began her professional career at a public accounting firm in Dallas in 1996, then a CFO for a telecommunication start-up company in Los Angeles, later as a financial consultant at a turnaround and crisis management firm. She founded Pan Pacific Realty & Investment, concentrated in the marketing of Chinese real estate investment opportunities in the U.S.

A native of China, Katie studied law at Peking University in Beijing and pursued her passion as a runner in track & field, then transferred to Baylor University in 1991 on a full track scholarship and held the Baylor woman’s 400m hurdle record for years. From Baylor she received a BBA and Master of Taxation. She was licensed in real estate and as a Certified Public Accountant. Katie was a board member of the Peking University Alumni Association of Southern California and served as its president from 2008-2010. Katie hosts seminar regularly for numerous organizations on the topic of investment, risk management and woman as an investor. Katie enjoys spin class, traveling, cooking, sci-fi movies, and weekends at Huntington Beach.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved. *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. 

I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.

  • LANGUAGES

    Chinese, English & Mandarin

  • EDUCATION

    Baylor University

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.

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.

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.

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.

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.

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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      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.