Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

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Profile

Jane is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management in San Francisco, California. She joined Merrill in 2010 and today she draws on her extensive experience to help a diverse clientele simplify and coordinate various aspects of their financial lives. Her international experiences provide her with a unique vantage point of global markets and an understanding of complex economic and financial strategies. Jane also has a depth of savvy making curated connections for her clients to people and resources that can make a material impact on their personal and professional lives. 

Many of Jane’s clients are successful first-generation wealth creators and entrepreneurs who are concerned with preserving, growing, and transferring their wealth to future generations.

Highly analytical, hardworking, creative, and full of intellectual curiosity, Jane takes pride in her ability to explain complex topics in clear terms to help her clients understand her recommendations and make informed decisions about their wealth management. An avid reader and a lifelong learner, she enjoys researching macro and microeconomic issues that may affect her clients’ portfolios. She recognizes the impact of global trends on financial decisions and develops strategies that consider the connections between the world’s economies and markets.

Jane began her career in the financial services industry in 1999 with Hewlett-Packard Treasury. While there, she helped manage its worldwide foreign exchange and cash management operations. She later joined a GSE institution as an analyst, focused on fixed income products including debt derivative analysis.

Jane earned her M.B.A. in finance from Carnegie Mellon University in Pennsylvania. She holds the Chartered Financial Analyst® (CFA®) and Certified Plan Fiduciary Advisor, CPFA® designations and is a member of the CFA® Institute.

Jane has an adventurous spirit with her personal pursuits and enjoys trying a wide variety of activities. A fearless skier, she also enjoys tennis, surfing, trekking around the scenic hills and valleys of the Bay Area, and recently pickleball. Jane is also currently learning to play piano and takes great pride being a doting “Auntie” and “Godmother” to the children in her life.

Portfolio Manager Bio
Jane concentrates on developing investment strategies for high net worth individuals and business owners. She is a qualified Portfolio Manager who can help clients pursue their objectives by managing on a discretionary basis her own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies.

  • LANGUAGES

    Chinese & English

  • EDUCATION

    Carnegie Mellon University, MBA

Professional Staff

Supported by the global resources of Merrill, my 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.

Tai Tu

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #483747

Rachel Kanter

Investment Solutions Group Portfolio Strategist

Bank of America, N.A.

Paul Stauffer

Wealth Strategies Advisor

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

Welcome & Value Proposition

At W & Associates, we aim to create a different kind of culture—one that translates into a client experience that we feel sets us apart. We believe that, in addition to sound advice and guidance, quality service is a key to developing and maintaining long-term relationships with our clients. Our teamwork, support for each other, and dedication to the same philosophy translates into better care for you.  

We work with first and second generation wealth creators and small business owners who lead busy lives and don’t always have the time to research, develop and regularly review their financial plans. As a result, they turn to us to assist them in creating customized wealth management strategies that are in line with their financial objectives. Our goal is to free you from some of the time-consuming details of wealth management so you can focus on what you’re most passionate about.

Over the years, we’ve guided investors through a variety of market cycles. When information and market noise is being thrown at you from every direction 24-7, it can be difficult not to respond to negative (and sometimes “fake”) news. Too often we see financial decisions being made based on emotion rather than on sound investment principles. Given how easy it is to become sidetracked, we believe it’s vital for you to work with experienced financial professionals who can help you focus on the things you can control.

For over a decade, we’ve guided investors through a variety of market cycles and have developed a meaningful understanding of the issues that may cloud financial decisions. As students of global markets and the economy, we can help filter out the noise, remove emotion from the process, separate rational and irrational fears, and create portfolios designed to weather economic and market turbulence.

 

We also strive to connect you with resources we’ve cultivated throughout the years. In addition to working with your CPAs, estate planning attorneys, and other service providers, we can also make introductions in a wide variety of areas and industries.

We appreciate the complexity of managing wealth today and welcome the opportunity to help simplify your  financial life, now and in the future.

Your financial wellness comes from the absolute confidence that every member of W & Associates team shares a singular and overriding commitment to your financial well-being. With full intellectual honesty, we use disciplined and, often, innovative strategies that are customized to your specific needs, purpose and personalities. We create a road map to finding the most optimal financial outcome for each family; provide the appropriate solution to help achieve financial freedom using customized approach. Core product offering see below.

Past to Present/High-Level
· Tax efficient investments
· Helping business owners diversify wealth uncorrelated with their day to day business
· Educate clients about opportunities and risk, & how to make the best yet difficult decisions
· Spotting the real risks, possible blow-ups, that could hit a family’s finances
· Business owner pension and 401K experience
· Financial forecasts including Retirement & College Education Planning
· Single point of contact for investment and banking needs, with a team of people dedicated to you
· 10b5-1 experience (stock options/RSUs/ESPP)…Rule 144 (ISO and non-qual services)
· Gifting advice/experience

Present/Other
· Access to Dedicated banking resources through Bank of America - Mortgages, collateralized lines of credit, banking
· Custody and advisory for non fee assets (concentrated stock from company or inheritance or 401Ks)
· Work closely with client CPA and Estate attorneys
· Insurance Review and Services
· Online services - handholding to set up and customize (aggregation of all financial information on one site)

Future
· Educate family members (kids) on finances
· Personal Wealth Analysis including cash flow and budgeting

*Merrill Life Agency's California License Number 0522776

Mission Statement

When it comes to your money, there is no substitute for a carefully considered, disciplined investment approach grounded in careful research. Our mission is to track market trends without getting caught up in them. Serving as a guide to help you make sound financial decisions in both calm and turbulent times, helps enable you to spend more time enjoying your wealth and less time worrying about short-term market conditions.

Approach

Every relationship begins 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.

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.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On High-Net-Worth Individuals and Families

Great wealth is not an end in itself. It is a way by which you can decide what you want to accomplish and with whom you wish to collaborate to pursue your goals. Our team is highly experienced about the challenges faced by individuals with substantial wealth.

A limited client base helps ensure that substantial time and energy can be devoted to assessing and tailoring individual strategies for you. It also allows the team to be responsive to your personal goals and focus on those services that contribute to simplifying your financial life. We believe the value delivered to you reaches well beyond investment management; it extends to the advice and guidance that may be of assistance in nearly every aspect of your financial life.

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.

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

      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.

      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.


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      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.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.