Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.
Vivek Thoppay began his career at Merrill Lynch Wealth Management in 2002. As the founder and strategic leader of The Thoppay Team, he serves a select group of highly successful clients, designing strategies that reflect their unique circumstances. For almost two decades, he has built a team that emphasizes intellectual rigor, in-depth customization and committed service. He and his team work closely with ultra-affluent individuals and families, helping them streamline financial complexities and capitalize on the opportunities of substantial wealth.
Vivek has significant experience advising senior executives, entrepreneurs, and multi-generational families. He has previously been recognized by Barron's in 2019, 2020, and 2022 as one of America's top 1200 advisors (Published annually in February-March. Rankings based on data as of September 30 of prior year), and by Forbes in 2018, 2020, and 2021 as one of California’s Best-In-State advisors (Published annually Jan – April. Rankings based on data as of June 30 of prior year).
From the outset Vivek and his team asks clients what matters to them. The value we provide depends to a great extent on our ability to encourage ongoing dialog and build trusted relationships. Our clients refer us to their friends and colleagues because they appreciate our diligence, skill and reputation.
My days are spent working closely with high net worth families to explore their best financial options, given their unique, individual situations. My goal is to answer questions such as, what do I need to retire? Should I refinance my mortgage or buy rental properties? How do I protect my family from major life events? How do I plan my estate for optimal transfer to the next generation? Answering these questions while addressing all available options and scenarios builds comfort. Helping families meet or exceed their financial goals has always been my main driver.
Vivek graduated from Santa Clara University, where he received his MBA degree in Finance. Prior to joining Merrill Lynch, Vivek worked at DuPont in finance and sales in the semiconductor division, technical marketing in the FREON® replacement group, and process engineering in the TEFLON® group. Vivek earned his Bachelor of Science degree in Chemical Engineering from the University of Virginia. Vivek resides in Saratoga, CA, with his wife, Mallika, and two sons, Saahil and Rishaan. Vivek was born in India and raised in the U.S. on East Coast. Vivek has been in the San Francisco Bay Area for over two decades.
WHAT DO WE BELIEVE?
• Busy clients don't always have time to optimally manage the moving parts of their financial picture. That's why our holistic approach extends to areas that may be neglected.
• Being an effective advisor means appreciating a client's concerns and challenges. Some clients are selling a business and eyeing the next opportunity – others are moving closer to retirement, or moving closer to family.
• By diversifying clients' portfolios using an institutional financial strategy, we aim to take risk "off the table." To optimize clients' overall wealth, we may coordinate with their CPAs and attorneys.
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.
English
Santa Clara University
University of Houston System
University of Virginia
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.
Senior Wealth Management Lending Officer
Bank of America, N.A.
NMLS #953282
Wealth Management Banking Specialist
Merrill
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.
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.
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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.
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.
The Power of the Right AdvisorTM
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.
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