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Tune out the noise: Wealth planning for the year ahead
Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.
Merrill Lynch
Wealth Management
Understanding your life priorities is an important part of how I work with the clients I serve. It’s not just about markets and returns, it’s about what matters most to you. I welcome the opportunity to show you how we can work together to create a financial approach designed around you, your goals and your aspirations.
Profile
Who Are We
We are a Goals Based Wealth Management Team working with a select group of clients to establish and help realize goals centered on their 7-life priorities; family, finances, home, health, work, leisure and giving. Incorporating a holistic approach, we help manage personal wealth and liabilities, retirement assets, along with business planning and wealth transfer strategies. Each year we develop relationships with a limited number of new clients.
Our Value Proposition
>We are your Financial Advocate – here to assist with your overall financial well being
>Our knowledge, experience and resources helps you make more informed financial decisions
>When life disrupts the status quo, we are there to help you adjust and plan
>We coordinate various aspects of your financial affairs, including but not limited to:
- Investments
- Liquidity/Emergency needs
- Short and long-term goals
- Cash flow and retirement planning
- Social Security decision making
- Life and disability insurance
- Debt/mortgage guidance
- Estate and retirement plan beneficiary designations
- Tax reporting on investment accounts provided to your tax professional
>Our Investment oversight will:
- Help you better understand the risk in your investment portfolio
- Track your overall household investment allocation, including assets held outside our firm
- Evaluate the management and performance of the investments in your portfolio
- Help with liquidity management for emergencies, personal and professional transitions
- Pro-actively suggest adjustments to, and rebalancing of, investment portfolios
>We do NOT incorporate a market timing approach to investment management.
>We integrate a strategic investment allocation approach with tactical adjustments focusing on:
- Economic outlook
- Federal Reserve and Central Bank Policy
- Market and asset class valuations
- Government, Corporate and Personal balance sheets
>On-going communication will include:
- Direct access to the investment professionals
- Monthly statements and periodic portfolio reviews, but no less than semi-annually
- Comprehensive assessments and personal “check-ups"
Paul Sanit
Paul Sanit is a Senior Vice President and Senior Financial Advisor for Merrill Lynch Wealth Management and brings over 41 years of industry experience. He earned a Certified Plan Fiduciary Advisor designation awarded by the National Association of Plan Advisors. Paul is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Portfolio Manager may manage his strategies on a discretionary basis. Paul began his financial services industry career in 1981 and dedicated over eight years to E.F. Hutton's Personal Financial Planning Division, where he advised some of the firms most affluent clients. He received a degree in Finance from Hofstra University. He enjoys golfing, biking and exercise during his free time.
Kristina Klamer
Kristina Klamer is a Registered Wealth Management Client Associate with Merrill. She has over 26 years of professional experience in the financial services industry having focused on Banking, Lending, Business Solutions and Wealth Planning. A native to California, she grew up in Encinitas and enjoys spending time with her family and friends. In her free time she enjoys live concerts and watching the latest and greatest streaming show.
Additional Resource – Wealth Management Lending Officer
You may also benefit from the experience of a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized home financing guidance focused on your needs. Working together, your Financial Advisor team and Lending Officer can draw upon an expansive array of home financing solutions designed to fit into your overall financial strategy and help you pursue your financial objectives.
*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.
*NMLS#637240
*Merrill Life Agency's California License Number 0522776
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LANGUAGES
English
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EDUCATION
Hofstra University
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
#DigitalMerrill
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
I believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, work with you to identify potential solutions that address your needs, and clearly communicate them to you. I want to work with you to develop your wealth management approach for the future.
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.
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.
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