The Mendoza Group

push-top

Meet Our Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

David A Mendoza

David A Mendoza

Senior Financial Advisor

408.554.7916
Matthew David Mendoza

Matthew David Mendoza

Senior Financial Advisor

408.554.7984
Kelly J Kesden

Kelly J Kesden

Financial Advisor

408.554.7987
Elizabeth B. A. McKown

Elizabeth B. A. McKown

Financial Advisor

408.554.7947
Max  Podlone

Max Podlone

Financial Advisor

408.554.7946
Virginia  McDonald

Virginia McDonald

Client Associate

408.554.7945

Where do we begin? It starts with you.

At Merrill Lynch, 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

Let our extensive experience and diverse capabilities work for you

Mendoza Yglesias Team Welcome.jpg

The Mendoza Yglesias Group is a highly skilled team of financial professionals with 129 years of combined experience. In today’s increasingly complex global markets, the wisdom that comes from seasoned financial guidance is more essential than ever before. Our long tenure in the industry has given us the perspective necessary to take advantage of a variety of economic climates. Whether you're looking to build wealth for the future, preserve it for the next generation, generate income for retirement, or create a giving strategy for the causes that mean so much, we are well positioned to help—no matter what the financial environment. Our approach to wealth management is consultative and dedicated to excellence.

Our team is diverse in its gender, ethnicity and age, which helps us relate to a broad clientele. We can help you address the financial challenges you might face at different stages of your life, as well as those confronting your children and grandchildren. We take the time to educate family members about their future wealth so that when the time comes for them to develop their own wealth management strategies, they have a resource to turn to.

Your steady guides in emotional times

Our experience over the past three decades has shown us that investors should filter out the market noise and remain focused on the things they can control. As wealth management professionals, we will put the information from the financial world into context; get to know you, your family and your needs; and identify strategies meant to complement the goals of your family for many years to come.


"We believe attentive wealth management begins by creating quality relationships with clients. Our team members have complementary skills and talents, and we believe the strength of our diverse, cohesive team is a significant advantage."

James Yglesias, Jr.
Senior Vice President
Senior Financial Advisor
Senior Portfolio Advisor

Advice and guidance for every stage of your life
Clients We Serve1.jpg

We assist a diverse clientele with the complex challenges of preserving, enhancing and managing their wealth. We serve every client with the same professional commitment to attentive service and are dedicated to using our considerable experience and capabilities for your benefit. The advice and guidance we offer is designed to help you create a dynamic strategy to approach your life goals, which may include preparing for retirement; positioning for a major liquidity event, such as selling a business; and creating a legacy by establishing philanthropic strategies. We can offer access to the banking resources of Bank of America for cash management and liquidity needs with regard to credit and lending.

TRANSITIONING TO RETIREMENT

A smooth and efficient financial transition to retirement requires careful forethought. Through our disciplined process, and after a thorough review of your assets and balance sheet, we can help you create overall cash-flow-focused strategies designed with an emphasis on tax-minimization strategies. With your retirement goals clarified, together we will target customized strategies to each objective and monitor the progress toward them.

ADDRESSING THE NEEDS OF CORPORATE EXECUTIVES

We have considerable experience helping senior executives manage concentrated stock positions. Key decisions around the timing for exercising your options, how to complete the transaction, and whether to hold or sell your acquired shares should be considered carefully. Based on your other holdings, risk tolerance, expectations for future growth and time horizon, we may recommend such strategies as creating liquidity through open-market sales, securities-based lending and trading programs in compliance with SEC Rules 144 and 10b5-1.

STRATEGIES FOR BUSINESS OWNERS

As a business owner, your business and personal finances are closely intertwined, yet the attention your business requires may leave you little time to handle your own wealth management. We can help you integrate and balance your business and personal finances, proposing strategies that address goals for yourself, your family and your company. Our ability to work with your family and circle of advisors enables us to develop a coordinated wealth management approach tailored to your individual objectives. From growing your business, to realizing its value through a succession strategy or sale, to maintaining family ownership by the next generation, we can provide useful, practical strategies.


"We believe that it is best for clients to work with advisors whose philosophy and values are aligned with their own. We go to great lengths to establish meaningful, personalized and deep connections with every client."

David A. Mendoza
Senior Vice President
Senior Financial Advisor
Senior Portfolio Advisor
A consistent, disciplined approach to investing
Partners1.jpg

We view investing with a long-term perspective. We feel our team is exceptionally experienced and has a strong, first-hand knowledge of how investments perform in many kinds of market environments. We have considerable experience in cash-flow and risk-minimization strategies designed to help preserve principal, generate income and help you pursue the retirement you envision.

We work from a goals-based wealth management approach that measures your investment performance based not only on investment returns but also on your progress toward pursuing your goals. We focus on what matters to you on a personal level to help us create an investment approach that’s customized to address your unique concerns and goals.

Establish goals—It’s important for us to understand the nuances of your personal situation so we can customize a strategy that integrates all of the pieces of your financial life. We seek to assess your financial personality by identifying the traits that describe how you perceive, react to and handle financial decisions. Especially important is determining your risk tolerance, which will guide any investment recommendations. Once we understand the true purpose for your investments, we can help you articulate and prioritize your goals. While many clients may have the same types of goals, the path toward pursuing them can be dramatically different.

Define and refine your approach—One of the keys to a strategy's success is investment and manager selection. We look at a variety of factors again–including your investment objectives, strategic asset allocation, diversification and periodic rebalancing–that we believe are the most important factors in determining long-term investment results. We diversify both across and within asset classes, carefully weighting your portfolio’s allocations to stocks, bonds and other asset classes.

Implement goals-based strategies—We believe in a cash-flow-centric, tax-efficient and risk-controlled approach to investing. Wealth is compounded by consistent returns and reducing draw downs. A total return approach, combining cash flows (i.e. dividends and tax free income) that are consistent and predictable with capital appreciation can help do that. Merrill Lynch has exceptional access to third-party managers and we use all available tools to select those that complement one another. Through this discipline we are able to customize each client relationship to address their unique needs.

Review your progress toward your goals—We have a systematic communication schedule so you can expect to hear from us regarding your portfolio review. We are readily accessible if you want to talk with us more frequently. Either way, we will make sure to keep in touch with you—to educate you about events that may affect your finances and to learn about changes in your life or objectives. If appropriate, we will recommend adjustments to your strategies or help you design and implement new ones.


"Where it is appropriate, we take a cash-flow-centric approach to investing. We look for investments that create cash flow in the form of dividends, tax-advantaged income, or tax-free income because they can help reduce risk, smooth out volatility and create an income stream for clients."

David A. Mendoza
Senior Vice President
Senior Financial Advisor
Senior Portfolio Advisor
Building steadfast, candid relationships
Investment Philosophy1.jpg

Wealth management is a process that can take many different twists and turns. It is not a single transaction, or even a series of transactions. The cornerstone of our approach is to help define your life’s goals and what is most important to you. Our belief as advisors is not only to provide financial services, but also to gauge the important changes happening to you and your family. It’s our goal to be there with compassion and strength during difficult times as well as the prosperous ones.
  • We seek to build long-term client relationships that are based on an understanding of your life situation, financial resources, investment personality, concerns and priorities.
  • We have the dedication to tackle difficult issues when the answers aren’t always obvious. The strategies we propose often come from innovative thinking and collaboration with area experts both within and outside of Merrill Lynch. Our recommendations consider your total financial picture, not just a limited assessment of the area directly affected by the recommendation.
  • We help keep you abreast of global events and market fluctuations that can affect your portfolio and, ultimately, your short- and long-term goals.
  • We believe in transparency and take the necessary time to help you thoroughly understand our recommendations in plain English—without the jargon.


"Clients’ needs are always our first priority. We are focused on providing the highest level of client service based on integrity, continuity, experience and accessibility."

Matthew David Mendoza, CRPC®
First Vice President
Senior Financial Advisor
Senior Portfolio Advisor

Your Financial Strategy

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.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

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.

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 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.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

ML_Video_v2.jpg
Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*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.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we 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.

Why Merrill Lynch?

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.


MLCampaign_WhyML_v3.jpg

We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





Transcript of Video

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

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.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.