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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Insights, observations, and ideas to help you in your pursuit of your financial goals.

Important Video Disclosures

Watch my video to see all the ways I can serve and support you on your financial journey.

Watch my video to see all the ways I can serve and support you on your financial journey.

Profile

Sharam Pavri holds the Certified Trust and Fiduciary Advisor (CTFA) designation, sponsored by the American Bankers Association. Sharam works closely with wealth creators, engineers, executives, and wealthy families, helping them align the many moving parts of their wealth. He takes great satisfaction in connecting clients to the ideas, opportunities, and offerings that can have a measurable impact on their financial lives and legacies.

A former business owner, Sharam appreciates the many demands on clients’ time. He looks to restore ease to clients’ hectic lives, unwind financial complexity, and add valuable hours to clients’ schedules. People look to Sharam as a reliable resource for a host of needs, from tax-sensitive investing, alternative investments, insurance analysis, and higher-education savings, to budgeting, later-years planning, and access to lending through Bank of America. To each relationship, Sharam offers the knowledge he has gained from advising an accomplished clientele.

Born in the Middle East, Sharam grew up dividing his time in India, France, and Canada. He welcomes a diverse clientele, appreciating the vibrancy of each client’s story. His approach is consultative and informed by the distinctive interests of each client or family. Sharam also integrates the insights of locally based specialists at Merrill, maintaining steady momentum in resolving client needs and discerning next steps.

Prior to joining Merrill, Sharam spent more than four years as a Financial Advisor with J.P. Morgan Wealth Management. He began his advisory career in 2017 with Morgan Stanley. Earlier, Sharam spent 11 years as the founder and general manager of a company that designed, assembled, and marketed industrial thermal systems to a variety of industries, providing him with a sound perspective on the demands and decision points that entrepreneurs encounter.

Sharam earned his M.B.A. from Memorial University in Newfoundland, Canada, and his undergraduate degree from the University of Toronto, where he graduated with Academic Distinction.

In his free time, Sharam serves on several non-profit boards. He also enjoys sailing, hiking, and exploring the Bay Area.  He and his wife reside in the Peninsula with their two sons.



*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.
*Merrill Life Agency's California License Number 0522776


*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

  • EDUCATION

    University of Toronto

    Memorial University of Newfoundland

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.

Tarek Hamdy

Wealth Management Banking Specialist

Merrill

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

The Two Most Important Days

Mark Twain said it best – the day you’re born and the day you understand your purpose are pivotal. There are few matters in life as important as managing the assets and liabilities you have to achieve what you want out of life. So you should do this with the support of someone who truly loves what they do – not as a job, but as a deep commitment. I learned after 10 years of  starting and running a business in a completely different industry that my professional love (i.e. my purpose) lies in financial markets, helping people, and working with a small group of committed families. My only regret is not starting many years earlier.

The Advisor’s Philosophy Must Align with You

Working with an Advisor who loves what he/she does is fundamentally important for you to receive the attention you deserve. I love what I do and take my clients’ success personally.

You need to work with someone who can help solve for what is valuable to you. This begins with open no-cost no-obligation conversations about non-financial aspirations in life, which then trails back to financial, tax, estate, and insurance planning strategies. Thus, aligning what is important to you with the resources (i.e. financial assets) you have.

Fit with your Advisor is critical. Simply put, I work with clients who are (1) nice (yes nice), (2) have assets to invest, and (3) are receptive to advice. This establishes a proven foundation spanning multiple years and family generations. If you believe these simple criteria are met, then please reach out for an initial conversation – there will be no expectations; just learning about where the value for you lays.

 *Merrill Life Agency's California License Number 0522776 

An Approach Tailored to You & Your Loved Ones

There is no standard formula or template for effective wealth planning. Every person & family are different, and therefore, every journey is different. First understanding your needs and wants establishes a foundation. Then, tying what you own and owe to what you need/want to achieve (e.g. home purchase, college funding, vacation home, etc.) is where effective advisory takes place. Over the course of two to three meetings a baseline is established and a plan is devised. Thereafter, your tailored plan is established. However, life changes; therefore, your plan changes; and this is where having regular close attention to you and your family’s needs as an Advisor comes in. For us, it is as much the journey as it is the destination.

Specialists in the Key Planning Areas

Behind my direct team there is a powerhouse of talent. Merrill and Bank of America Specialists in public investments, private investments, insurance-planning, tax-aware investing, and estate-planning each contribute to your wealth management journey. You meet them as needed and they provide support on the back end for effective plan execution. With multiple decades of managing clients' wealth, Merrill has the platform and resources to assist clients starting their professional lives to multi-generational families.

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.