Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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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 40 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. Paul has been very involved in the growth of lacrosse in San Diego through coaching and running lacrosse related events. He enjoys golfing, biking and exercise during his free time.

Kristina Klamer

Kristina Klamer is a Wealth Management Client Associate with Merrill.  She has over 25 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

  • LANGUAGES

    English

  • EDUCATION

    Hofstra 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

Approach

Wealth Management is a dynamic process. As I focus on you today and help you identify your goals for tomorrow, we can strive to work together throughout life’s ups, downs, triumphs, and transitions. Helping you pursue your goals starts with getting to know you and your family. My job is to first understand what matters most to you. We will work together to create a financial approach that reflects your investment personality and is built around your life priorities. I will be here to help you make adjustments to your wealth management approach if and when necessary over time.

Philosophy

Life is always changing and growing more complex. Your needs and priorities specific to your family, work, health and home are continuously evolving. And since your finances are so deeply connected with the rest of your life, an investment approach that is specific to your unique situations can be helpful. Even if you’re accustomed to managing your wealth on your own, you may find value in having a relationship with someone who understands your priorities and who has the knowledge and resources to help you make more informed decisions, no matter where in your life you are.

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.

Capabilities

We believe that to feel good about your finances, you need to know exactly where you are, where you want to go, and how much you may need to get there. I work with you to develop a customized financial approach, drawing on the best thinking of our firm, to help you with your financial future. I will make it clear what you’re paying for and what you’re getting. As your life needs and market conditions change, we can meet to help make sure you’re on track in pursuing your goals and to adjust your approach as needed for the journey ahead.

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.

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.


      MLBrochure.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.



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      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.

      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.