Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Stephen Smith is a founder of the Smith & Davis Group at Merrill Lynch Wealth Management. Stephen leads a highly customized approach, working closely with individuals, couples, and families to discern their unique financial goals and challenges so that he can better support them in advancing their distinctive priorities. Collaborative and intuitive, he recognizes that clients’ financial lives have multiple dimensions: emotional, historical, practical, and aspirational. He embeds this understanding within his analysis and outreach, staying apprised of each client’s evolving needs through regular communication, ongoing dialogue, and reliable responsiveness.
Within the team, Stephen is responsible for portfolio design and implementation, tailoring his work to the investment preferences, risk tolerance, cash-flow needs, and timeframes of each client. A firm believer in transparency and openness, he assists clients in weighing their options so that they can become more informed stewards of their wealth. He enjoys applying the knowledge and insights he has gained from direct involvement in the capital markets to help clients pursue their goals more efficiently.
Stephen has worked at Merrill since 1999. Previously, he held positions in operations and strategic planning for medical engineering and technology firms. He began his career in psychology, serving as the lead clinician for county-based services in Sonoma.
Stephen earned his undergraduate degree in Psychology from Sonoma State University and his M.B.A. from San Francisco State University. He holds the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ in conjunction with UC Berkeley School of Business, the Certified Portfolio Manager (CPM®) designation from the Academy of Certified Portfolio Managers in conjunction with Columbia University, and the Certified Plan Fiduciary Advisor (CPFA) designation.
A resident of Santa Rosa for more than 30 years, Stephen is past president of the board of Family Service Agency Sonoma County and currently serves as an advisor to the Investment Committee of Audubon Canyon Ranch. He and his wife Denise have one son, a filmmaker who currently teaches at UC San Diego. In his free time, Stephen enjoys traveling, hiking, listening to music, and spending time with family and friends.
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.
California State University, San Francisco - MBA
California State University, Sonoma
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.
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.