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  - The Nicholson Group
    90 South E Street
    Floor Gr
    Santa Rosa, CA 95404
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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.

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Meet the Team
Understanding your Life
Staying on Track
Articles
Why Merrill
Contact Us

The Nicholson Group

90 South E Street
Floor Gr
Santa Rosa, CA 95404

Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work with you to develop a personalized financial approach designed to help you pursue what’s most important to you.

Learn more about an advisor's background on
FINRA's BrokerCheck

Meet the Team

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

Nick Nicholson CIMA®, CFP®, CPWA®
Senior Vice President
Wealth Management Advisor

Nick is a founding member of The Nicholson Group and works with a collaborative, caring team who supports families with multigenerational wealth management. Because every client has specific financial and life goals, Nick helps them clearly answer a key question: What does their wealth mean to them? By working with clients of all ages-from grandparents to children--to understand what their financial lives mean to each family member, he helps them uphold strategic wealth management for generations.

A Financial Advisor since 1993, Nick understands how to navigate various market environments while implementing diligent processes that help clients pursue financial goals and prepare for retirement throughout their lives. He provides every client with a probability analysis to identify if they can retire when they desire and with the income they need. From there, he tailors personalized strategies with a strong focus on asset allocation and risk tolerance built specifically to address clients' unique financial lives. With the wealth management strategy in place, he tracks and rebalances clients' portfolios as needed, so they have relevant, appropriate strategies guiding them.

In every step, Nick remains dedicated to serving as the point of contact for clients' complete financial needs, such as providing access to lending services for business Owners to providing investment guidance across various portfolios. He is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He also holds the Certified Investment Management Analyst® (CIMA®) and Certified Private Wealth Advisor® professional designations.

Outside of the office, Nick mentors’ younger financial advisors within the Firm and is a lifelong martial arts practitioner who teaches adults. As the son of Russian immigrants, Nick also speaks Russian fluently. He currently lives in Windsor with his wife, Lydia, and their three sons, Dimitri, Dominic, and Gabriel.

*Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Nicholas Nicholson, CPWA, CIMA, CFP

Senior Vice President

Wealth Management Advisor

707.575.6305

Michael Avery, CRPC

Financial Advisor

707.575.6321

Chris Gibson
Senior Vice President
Senior Consultant

Chris is a veteran of the financial services industry, with over 43 years of experience, and more than 31 years with Merrill. He leverages the resources at BofA Global Research, and has built a network of investment managers, research analysts, and specialists who can help him and his team provide a value-added approach when managing client portfolios.

Chris advises clients in the areas of wealth accumulation, retirement planning services, portfolio implementation and management, estate planning services, tax minimization, liability management, and credit solutions. He has built his practice working with individuals and businesses, helping them to define and achieve their goals.

Chris earned a Bachelor's degree in Economics from Brown University and has earned the title of Senior Vice President, Senior Consultant.

Chris lives in Sonoma County with his wife Anne, and two children. In his spare time Chris enjoys exercising, and golf. Additionally, each spring he serves as a Cardinal Newman High School assistant lacrosse coach, giving back to a sport he has been involved in for over 40 years.

Keli Reindahl brings 36 years of financial industry experience and a strong commitment to providing clients with outstanding personal service. Keli is responsible for managing the daily operations for Chris' team.

Our most deeply held principle at Merrill is that client come first, and I am proud to be part of that tradition. To help you meet your financial objectives and build your wealth, I first listen to your personal goals, and then offer effective approaches to help achieve them. At Merrill, I have unparalleled resources that include planning expertise, financial strategies and state-of-the-art technology designed to streamline any financial picture. Let me put them to work for you.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*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.

Christopher W Gibson

Senior Vice President

Senior Consultant

707.575.6323

Keli Reindahl
Assistant Vice President
Wealth Management Associate

Keli’s approach to helping clients has not wavered since she began her career with Bank of America in 1987. She believes in getting to know you on a personal level so that she can offer concierge service for whatever you might need help with. In her role, she functions as your direct line of communication to the team and a conduit to Merrill’s extensive resources to support your overall wealth strategy.

As a new client, you’ll get to know Keli as she walks you through the initial stages of setting up your Merrill relationship. She makes it her priority to be very approachable and accessible when it is convenient for you. She wants to learn about your family and be helpful to each member in any way she can. If you’re in the midst of a life transition or planning for a family milestone, Keli can draw on her more than three decades of experience with Merrill and Bank of America to help answer your questions and assist you with the appropriate resources to help address your needs.

Keli helps keep the team informed about what may be top of mind for you and strives to find better ways to improve your experience. As she becomes more knowledgeable about you and the needs of your family, she makes it a point to anticipate your questions and head off any potential problems or delays when processing your requests or accessing your account informational needs.

For help with the orderly financial management of your household, Keli is your go to person. She can assist you with the efficient management of the many financial products and services you may use, such as credit cards, lines of credit, banking and bill payment. She can also help you oversee your daily household finances, streamlining the amount of time you spend on it. Thorough and detail oriented, Keli can work with you to help ensure that your important financial documents, such as wills, trusts, retirement accounts, and insurance coverage are up-to-date and properly titled, so they don’t become an issue when they are needed.

*Merrill Life Agency's California License Number 0522776

*Banking Services are through Bank of America, N.A.

Keli J Reindahl

Assistant Vice President

Wealth Management Associate

707.575.6307

Jack McCormick
Wealth Management Specialist

Jack brings a new perspective to the team and takes a personal interest in what matters to you. With a focus on flawless execution and clear communications, Jack is committed to improving your accounts visibility and helping to ensure you can see that your finances are staying on track.

Jack is the team’s resource for all things digital. He can personally work with you to simplify the set-up and customize Merrill’s account management and information tools, such as MyMerrill, to your individual needs and preferences. Beyond account information needs, you can call on Jack to help you access Merrill’s robust platform of research tools to find insights into market performance, as well as strategies relating to your goals. If you ever get stuck trying to perform a task, you can save time by calling Jack rather than holding for tech support. This is just one example of the concierge-style service he can offer to help your financial life run smoothly.

One of the most fulfilling parts of his role is supporting the team’s advisors, preparing wealth analysis reports, gathering relevant research and anticipating your informational needs so that the meetings and calls they have with you are productive and meaningful.

Jack earned his Associate of Arts degree from Santa Rosa Junior College (SRJC) and a bachelor’s degree in economics from The University of Redlands. A water sports enthusiast, Jack competed in NCAA Division III Men’s Swimming and Water Polo. Prior to joining Merrill in 2021, Jack interned with the Santa Rosa City Schools as a financial analyst. He is a fifth-generation resident of Santa Rosa and is actively involved in the community through volunteer work, sporting events and through the SRJC alumni network.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Jack Taylor McCormick

Wealth Management Specialist

707.575.6377

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, 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

Welcome

At the beginning of our relationship, we will take a deep and comprehensive look at your current financial strategy, banking, debt management, and cash management. We will develop a clear idea of your life/financial goals and concerns. This will set the stage for advice we will be giving on optimizing a strategy to help achieve your goals in the most efficient way.

*Banking Services are through Bank of America, N.A.

Philosophy

Our team believes in using a comprehensive wealth planning process combined with a disciplined asset allocation strategy using the latest investment tools. We are strong believers in Modern Portfolio Theory. Modern Portfolio Theory is a practical method for selecting investments in order to maximize overall returns within an acceptable level of risk. Our team frequently uses exchange traded index funds as part of our core client portfolio, and we strive to manage your portfolio to be tax efficient by utilizing tax loss harvesting when prudent.

The more we learn about your priorities, the better we can assist you with a comprehensive financial approach to help you pursue multiple goals simultaneously. These may include strategies to help:

Structure your wealth to help maintain your lifestyle in retirement
Blend investment vehicles to balance risk and return in a low cost tax efficient portfolio
Perpetuate your wealth for future generations
Plan fiduciaries, to meet their plan goals and participant needs
The next generation, put their wealth on a trajectory to build career and family flexibility

Personalized attention to help with access to banking, credit and lending needs

The breadth, depth, and value of what our team can offer you extends well beyond wealth strategies for retirement. Wealth Management Associate Keli Reindahl is devoted to being your financial concierge, helping you access the banking convenience and lending solutions of Bank of America to help simplify your financial life.

A multi-generational focus

Clients who may have concerns about continuity as they age, can choose to work with the members of our team who they feel most comfortable with. Our multi-generational team can draw on each other for knowledge we have in different areas of focus to help you with the financial challenges and opportunities that may arise during different stages in your life. We embrace the needs of all generations and strive to be the only financial advisor you and your heirs will need for years to come.

How we help clients

Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:

The retirement lifestyle they envision
Preparing for the cost of the best education possible for their children and grandchildren
Wealth transfer to the next generation
Establishment of their legacy through family foundations and philanthropy
Diversifying business interests

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

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

Capabilities

Our ability to provide access to the investment insights of Merrill and the banking convenience of Bank of America allows us to help you devise potential solutions designed to help preserve, grow and distribute your wealth. We strive to exceed client expectations through our proactive approach to communication, our attention to personalized service, and commitment to continuing financial education.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.

Health: Managing healthcare expenses, now and in the future
Home: Upsizing, downsizing, remodeling or buying a vacation home
Family: Taking care of your family and other people in your life
Leisure: Spending your free time in meaningful ways
Giving: Volunteering, mentoring others and giving to charities
Work: Working in retirement, selling or starting a business
Finance: Bringing it all together and defining your financial goals

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Welcome
Philosophy
Approach
Capabilities
Focus On Individuals and Families

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.

Learn more

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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#DigitalMerrill

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

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 we can help you create a financial approach that reflects your personality. Only then can we 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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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.

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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.