Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Senior Financial Advisor, Managing Director-Wealth Management
John Kettmann is a third generation to graduate from Bellarmine College Prep in San Jose. John attended Santa Clara University and graduated in 1991 (Economics) and began as a Financial Advisor. John has worked for Morgan Stanley and Bank of America/Merrill Lynch over the past 20 + years here in San Jose. After John received his MBA in 2001 he began to focus on the rapidly growing 401(k) marketplace. John is designated as a "Retirement Benefits Consultant". This internal designation is for our core group of advisors who focus on retirement plans across the U.S. John partners with Advisors in various states to bring a best in class of service for startups on up to large plans with employee education as the core service. John also earned the C(k)P® designation to further his interest and studies in retirement plans. This helps his clients, who rely on him to deliver up to date market data.
*C(k)P® and Certified 401(k) Professional is a registered trademark of The Retirement Advisor University, Inc.*
Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.
Our objective, as an advisor for your Plan, is to:
• Ease the burden of the complex responsibilities that plan fiduciaries face in creating and maintaining a plan investment menu.
• Establish a plan suitable to the long term needs and risk tolerances of plan participants
• Provide broad investment choices. We offer a traditional fund lineup for participants, in addition to self-directed investment offerings, and a full-service brokerage with access thousands of investments. We can build customized investment choices structured around conservative, moderate and aggressive risk tolerances. We can even have local advisors come on site for group meetings, executive meetings and one-on-one private meetings to help your employees evaluate, adjust and track their specific asset allocations over time.
• Provide Plan participants with a customized education platform to match company culture which might include group meetings, benefits fairs as well as individual one-on-one meetings, offered in multiple locations and languages.
We can offer access to the investment resources of Merrill Lynch and the banking strength of Bank of America to help address the various aspects of clients’ financial lives. Our advisors create a working list of client objectives-including investments, tax-minimization, retirement assets and services-and then commits to crafting strategies designed to help clients build, manage and preserve their wealth for current and future generations. We can offer clients access to a Merrill Lynch Banking Advisor from Bank of America N.A., who can draw upon the expansive array of cash management, credit and other lending solutions designed to fit clients’ overall financial strategies.
I follow the deep-seated Merrill Lynch tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
Golden Gate University
Santa Clara University
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Supported by the global resources of Merrill Lynch, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.
Wealth Management Lending Officer NMLS # 1674058
We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.
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.
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 give you peace of mind* that you're on track to help achieve what's most important to you.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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. 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.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.