Christine S. LeGrand

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Profile

As a Financial Advisor with Merrill Lynch Wealth Management, Christine helps her clients reach their financial goals through an integrated and comprehensive approach to wealth management that addresses the full spectrum of their financial lives.  She finds great personal satisfaction in engaging with her clients and acts as a dedicated advisor, being personally available to them.  Christine's relationship with her clients begins with gaining a meaningful understanding of their life and goals and with her team of specialists at Merrill considers many aspects of their wealth -- savings and investment strategies, estate and philanthropic planning, retirement funding and withdrawal plans, tax strategies, protection planning with long-term care and insurance, lending, debt structuring and business succession planning.  Christine provides customized solutions for her clients and develops and monitors a plan to address both simple and complex situations to preserve and grow wealth based on risk tolerance, time horizon, liquidity needs and overall investment goals.

Christine focuses her work on the complex needs of older adults, particularly those who are approaching retirement, are divorced, have recently lost a spouse or who are unmarried and do not have close family members to help them with their important financial decisions.  She works to simplify their complex issues and helps them find confidence when considering the financial decisions that affect their lives, providing support to manage their affairs.  Christine also works with private fiduciaries who are working with individuals faced with special needs or health issues, where she provides guidance on investment decisions to help them with their fiduciary duties.  She in addition assists Canadians living in the U.S. with their cross-border investment strategies.

Christine is a Certified Public Accountant and has worked in the financial services industry for over 14 years.  She holds a Certificate in Fiduciary Management from the University of California, Riverside and a Certificate in Estate Planning and Master of Science in Taxation from Golden Gate University in San Francisco.  She attended the University of Western Ontario and McGill University in Canada for undergraduate and continuing education studies.  Prior to joining Merrill, she worked at PricewaterhouseCoopers with their Asset Management group where she focused on tax compliance for private equity companies, hedge funds and real estate investment trusts.  She has also worked with smaller public accounting firms where she helped high net worth individuals and families with tax compliance and planning.  Christine serves on the Estate Planning and Taxation Committees of the California Society of CPAs and is a member of the Financial Planning Association of San Francisco and the Emerging Advisors Network of the San Francisco Foundation.  She volunteers with organizations in the San Francisco and Marin County, CA areas, including Marin Agricultural Land Trust, American Cancer Society, and Muttville, a senior dog shelter.

*Christine does not provide tax or legal advice in her current role with Merrill.

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

*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

*Merrill Life Agency's California License Number 0522776 

  • EDUCATION

    Golden Gate University

    University of Western Ontario

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.

Louis P Giambertone

Louis P Giambertone

Insurance Specialist

Rachel Kanter

Rachel Kanter

ISG Portfolio Strategist

Paul G Stauffer

Paul G Stauffer

Trust Specialist

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

Understanding Your Life

Planning is the foundation of any sound financial strategy, and the more significant your wealth, the more essential planning becomes.  Wealth planning is designed to provide you and your family with thoughtful and innovative strategies customized to address the complexities of your wealth.  I can help you navigate the intricacies of planning to pursue your goals through developing a comprehensive, customized plan that addresses your unique needs and circumstances.

I focus on serving retirees, their families, and professional fiduciaries who are working with older adults and persons with special needs.  In addition, I work with Canadians living in the U.S., helping with cross-border investment issues, and with nonprofit organizations, assisting them with their goals around asset management, governance, spending policy and administration. 

I work closely with my team of professionals at Merrill to develop strategies for the specific financial needs of my clients and to help create an overall plan that organizes and simplifies their financial lives.  I operate a fee-based advisory practice and offer both proprietary and non-proprietary solutions based upon my clients' risk tolerance, time horizon, liquidity needs and overall investment goals.


Concerned about:

  • Managing your investments to preserve and grow your wealth?  I can recommend an investment strategy and portfolio allocation based on your goals, time horizon and risk tolerance.

  • Preparing to pass your wealth on to future generations?  Based on current and projected values of your assets, we can estimate the amount of estate taxes that may be due.  With access to a team of trust and estate specialists, we can review your current estate plan and will work with your tax and legal advisors to offer strategies to transfer your wealth in a tax-efficient manner.  We offer strategies to generate income for a spouse or partner, plans to help meet important philanthropic commitments, and opportunities to facilitate discussions about the use of family wealth. 
  • Retirement on the horizon?  I develop a plan to identify factors such as whether your savings will be enough to support you in retirement, how to strategize on any shortfalls, and the consideration of social security and medicare.
     
  • Managing future health care expenses and long-term care for yourself or aging parents?  We will review your current policies and help you determine an appropriate level of coverage.
  • Funding education?  We can look at education funding needs you may have for children or grandchildren and consider various vehicles such as 529 College Savings Plans or UGMA/UTMA accounts to help you reach funding goals.

  • Buying a second home or investment property?  My team of lending specialists can offer highly competitive rates for mortgages and home equity loans and can assist with the management of investment properties.


Merrill has a single platform that offers investments, trust and estate planning strategies, insurance and access to banking and lending services through Bank of America, providing for the comprehensive needs of your financial life and helping to minimize the number of advisors needed to manage your wealth.  Among the areas where we can help you navigate are:


Investment Guidance and Cash Flow Planning
Goals-Based Wealth Management Planning
Equity and Fixed Income Strategies
Managed Account Programs for Wealth Preservation and Growth
Alternative Investments
Real Estate Investment Trust Investments (REITS)
Concentrated Stock and Stock Option Strategies
Tax Minimization Strategies
Education Funding
 
Retirement
Planning and Withdrawal Strategies
Health Care and Long-Term Care Expense Planning
Traditional and Roth IRAs and Conversion Analysis
Managing 401(k)s Through Job Transition

Gift, Estate and Trust Planning Services
Wealth Transfer Planning to Reduce Transfer Taxes and Probate
Intergenerational Gifting Strategies
Estate Plan Reviews
Trust Administration
Insurance and Annuities
Financial Education for Families
Private Family Foundations
Donor-Advised Funds
  
Lending
Home Loans (NMLS#1776138)
Home Equity Lines of Credit
Securities-Based Lending
Residential Real Estate Investor Financing
Commercial Real Estate Lending
Credit Cards
Custom Lending

Banking
Checking and Savings Accounts
Cash Management Accounts
Mobile Banking

Business Interests
Commercial Loan Financing
Liquidity and Cash Management
Succession Planning
Farm and Ranch Land Management

Additional Tax Consulting
Liquidity Events
AMT Reduction Strategies
Net Investment Income Surtax Planning
 
 

 *You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care.

*Merrill Life Agency's California License Number 0522776

*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating. 

*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

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

*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.

 
 


Philosophy

Our investment philosophy is rooted in a comprehensive approach to building our clients' wealth and with a team of specialists at Merrill I consider the entire spectrum of their financial needs when creating a highly personalized plan, which evolves as their unique needs and goals do.  I am a dedicated advisor who is personally available to my clients, often visiting them in their homes when more convenient to them, and I offer a fee structure that is simple, transparent and competitive.

Focus On High-Net-Worth Individuals and Families

We’re fully versed in the many issues that affect wealth management. No matter what your short- and long-term goals may be, we'll begin by getting to know you as we explore the following seven priorities together:

  • 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 and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together; defining your financial goals
We work closely with other professionals to help clients pursue their wealth management goals, drawing on the investment insights of Merrill and offering access to the banking convenience of Bank of America as we do so.

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

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 strategy, our goal is to help you stay on track to achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

    Monitoring changes in your life and to your goals
    Monitoring changes in your life and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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    Access to what you need, when you need it

    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

      *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. Merrill Lynch Wealth Management 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.

      Let’s Have a Conversation

      I believe it’s important that you seek the advice and guidance of an experienced Merrill Lynch Wealth Management Advisor who can thoughtfully analyze your situation, identify strategies that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management strategy for the future.

      Why Merrill Lynch?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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.

      Getting to know you is our primary goal.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your plan as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.