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Tune out the noise: Wealth planning for the year ahead
Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.
Merrill Lynch
Wealth Management
By taking the time to understand the needs and goals of your organization and its employees, we can help you establish and manage a benefits program designed to truly benefit people.
Profile
John Kettmann, CPFA
Senior Financial Advisor, Managing Director
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 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.
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.
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 appropriate 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 Wealth Management 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 Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized home financing guidance focused on your needs. Working together, your Financial Advisor team and Lending Officer can draw upon an expansive array of home financing solutions designed to fit into your overall financial strategy and help you pursue your financial objectives.
*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products. (NMLS# 632810)
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EDUCATION
Santa Clara University
Golden Gate University
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
Esperanza Covarrubias
Wealth Management Banking Specialist
Merrill
Sabrina Wong-Pun
Wealth Management Lending Officer
Bank of America, N.A.
NMLS #1674058
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.
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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.
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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.
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.
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.
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