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Outlook 2023: Back to the (new) future

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Profile

I began my career in the financial services industry in 1996, after earning my MBA from Bowling Green State University. Prior to joining Merrill Lynch Wealth Management as a financial advisor in 2013, I held a number of executive-level positions at some of the largest global financial services firms in a variety of functional areas, including operations, marketing, international business development, finance and strategic planning.

Passionate about building enduring client relationships through outstanding and personalized service, I advise clients on wealth accumulation, preservation and transfer through the creation of individually customized wealth management strategies utilizing a well-defined and proven process.  Given my extensive background in strategic planning, I take a holistic approach to managing wealth. This begins with getting to know a client and the client’s family, their financial situation and what matters most to them. This enables me to create a customized wealth management approach that is flexible to their needs and changes in market conditions.  

My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all aspects of their financial lives. I also work closely with clients' other trusted advisors, including attorneys and accountants, to address their tax, trust, philanthropic and legacy issues.  

I am a CERTIFIED FINANCIAL PLANNER™ certificant, awarded by the Certified Financial Planner Board of Standards, Inc. I have also earned the Certified Plan Fiduciary Advisor, CPFA designation awarded by the National Association of Plan Advisors (an affiliate of the American Retirement Association). In addition, I am a specially qualified Senior Portfolio Advisor who, in addition to providing traditional advice and guidance, can draw from my experience to help clients pursue their objectives by building and managing custom investment strategies, selecting from a wide range of Merrill model portfolios and third-party investment strategies. When servicing clients through the firm's Investment Advisory Program, a Senior Portfolio Advisor may manage those strategies on a discretionary basis.

My family and I live in Agoura Hills, California. Outside of my professional pursuits, I enjoy the performance arts, volunteering for education and health related causes, traveling, hiking, reading non-fiction and practicing yoga, meditation and spiritual inquiry. I previously served on the board of directors for the Ethnic Arts Council.

    Professional Staff

    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.

    Additional Resources

    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.

    Carlos Mladineo

    Investment Solutions Group Portfolio Strategist

    Bank of America, N.A.

    Fred R Schector

    Wealth Management Lending Officer

    Bank of America, N.A.

    NMLS #451116

    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

    Mission

    The mission of my practice is to assist you in all areas of your financial lives so you can focus on what you truly enjoy doing the most, rather than having to worry about your financial well-being. I focus on connecting all aspects of your financial lives to help you prioritize and pursue goals that matter most to you and your family. I will work with you to understand your financial situation, risk tolerance, time horizon and liquidity needs. I will help you articulate your short- and long-term goals, then work with you to establish a financial approach aligned with what you strive to achieve. I will do so while combining personalized service with the investment insights of Merrill and access to the banking convenience of Bank of America.

    Philosophy

    Everyone’s economic and life situation is unique, and I keep that in mind when providing financial advice. We live in a world that's constantly changing. Markets can fluctuate frequently. Potential investment opportunities can arise daily. That's why I believe that you and your situation are the best starting points from which to help plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because by understanding you and your priorities, I can more effectively offer my experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

    I follow a three pronged goals based approach to manage and preserve your wealth.

    1. Understanding your Life: I believe an effective approach to wealth management requires working closely with you to understand your current financial situation and help you identify and define your goals. My job is to first understand what matters most to you. We will work together to create a financial approach that reflects your risk profile and investment personality, and is built around your life priorities.

    2. Your Financial Strategy: Defining and prioritizing your goals, liquidity needs, risk appetite and time horizons will enable us to develop a financial strategy aligned with what you and your family want to achieve. This includes identifying an appropriate asset allocation that is in line with your risk tolerance and structuring a diversified investment portfolio that will help us meet your long term objectives.

    3. Staying on Track: In addition to reviewing portfolio performance on a regular basis, we will jointly review progress towards each one of your goals and modify the financial strategy as needed to help ensure that we are on track to meet your goals. The review meetings will serve as an opportunity to discuss recent life events, review concerns and goals, measure progress to your goals, and adjust your investment portfolio, if necessary, based on market changes or changes to your goals and priorities.

    Once I have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, I will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. I draw on many experienced investment professionals at Merrill to deliver insights that help you maintain a long-term focus while taking advantage of short-term opportunities. Through the Merrill Investment Advisory Program I offer custom strategies that deliver an appropriate balance of risk and reward, comprised of investment fund and manager offerings that have undergone a thorough evaluation process before they can be included in your portfolios. Leveraging the intelligence provided by BofA Global Research, I can identify and screen many types of products and strategies from hundreds of available institutional and professional options. And all my actions are grounded in a deep understanding of what matters most to you and complemented with regular review. I believe this approach will give you the power to help you meet your goals.


    *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 equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. 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.

    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.

      #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 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.

        Why Merrill?

        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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        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.



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        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.

        Personalized advice from a dedicated financial advisor.

        We get to know you and your family, your financial situation and what matters most to you.

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

        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.

        Adjusting your investment approach as your life and the markets change.

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