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Richard K Pettibone

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Profile

For clients who know him well, Rick’s ability to enhance their wealth and wellbeing reflects his desire to improve the lives of people he doesn’t even know. Rick believes that employing his financial and personal skills is time very well spent – on behalf of clients in the U.S. and deserving individuals around the world.

In 1999, Rick was a young entrepreneur who had created and sold five companies. Intrigued by market dynamics, he joined Merrill Lynch Wealth Management that year. Today, he enjoys sharing his insights with a loyal circle of traditional and non-traditional client families for whom a distinct level of attention and acumen are required and appreciated. Not surprisingly, Rick serves fellow entrepreneurs, as well as physicians and other professionals whose visions are as bold as his. Most clients are based in California, Oregon, Washington, and across the nation.

“Clients have become my close friends,” Rick points out. “And helping friends achieve meaningful goals is the greatest reward of all. Some came to me seeking better investment advice. Others didn’t want to be involved in investment decisions, but needed the comfort of a clearly defined strategy. While diverse in passions and purposes, clients can always benefit from a deeper level of real-world financial acumen and attention.”

Characterizing Rick’s approach is his devotion to systematic communications and disciplined investing. Using Merrill due diligence and a select group of managers he’s worked with for years, Rick typically diversifies clients’ investments across asset classes, sectors and borders – in accordance with their preferences. When appropriate, he also calls upon U.S. Trust specialists and coordinates with clients’ CPAs and attorneys. Rick believes that face-to-face meetings with clients carry great importance. Whether making “house calls” or hosting events at racetracks or golf courses, Rick finds value in connecting with clients on many levels and enabling them to connect with others
|“I’m so proactive in talking to clients that they tend not to call very often. In fact, when a client has surgery or a spouse passes, I’m at the hospital long before other family members. Being plugged in to clients’ lives and livelihoods is important to me. And I believe that holds immeasurable value to people who want a level of trust with an advisor that extends beyond dollars and cents.”

PERSONAL PROFILES

“My late father-in-law was a lieutenant colonel. The first time that I met him, I was three minutes late. He told me that in his family, ‘If you’re late, you’d better be dead’. Taking his warning to heart, I’ve been diligent in becoming highly organized, disciplined and communicating in timely fashion. If a client doesn’t know where they stand and what I think, I’m not doing my job.”

Rick sees a world in which one person can certainly make a difference. For years, he participated in efforts to “de-mine” areas ravaged by war. Together with a respected non-profit, he flew back and forth to help arrange an agreement between Israel and The Palestinian Authority to remove land mines in the fields of Bethlehem – something Rick considers one of his greatest accomplishments. In Vietnam, Rick also traveled with a non-profit that removed landmines from farm fields and fitted amputees with prosthetics.

In 2016, Rick traveled to Peru with a U.S. non-profit that supplies medical equipment and medicine to impoverished people. That was one of many trips Rick has made to South America, Africa, the Middle East and Asia.

Rick is proud to have 18 nieces and nephews and skis with all of them. Not limited to the slopes, Rick’s energy extends to road biking (50 and 60 miles at a time), hiking, playing golf, and working out three days a week. A former polo player, Rick holds a Bachelor of Science degree in Business Administration from Golden Gate University. He resides in the San Francisco Bay Area.

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

    English

  • EDUCATION

    Golden Gate University

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.

Sonny Chan

Sonny Chan

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #693456

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.

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.

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.

Focus On Individuals and Families

I can offer advice and guidance designed to assist you in making 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’ll 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

 

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 give you a sense of the full assessment and 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.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of 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
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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.


      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.

      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.