Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
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. John also earned the C(k)P® designation to further his interest and studies in retirement plans.
*C(k)P® and Certified 401(k) Professional is a registered trademark of The Retirement Advisor University, Inc.*
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)
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.
Golden Gate University
Santa Clara University
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.
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.
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.
Wealth Management Banking Specialist
Wealth Management Lending Officer
Bank of America, N.A.
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.
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.
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.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
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.
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.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.