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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Profile

My history as an athlete and entrepreneur continues to drive my passion and motivation as a Merrill Financial Advisor. I have won national soccer championships, been the personal trainer for an Olympic gold medalist, and owned the largest sports performance facility in San Diego. My designations as a Chartered Retirement Planning Counselor™ and Sports & Entertainment Accredited Wealth Management Advisor™ have developed the “Prosperity Principles” I use with my Merrill clientele. It is the unique combination of these professional and personal experiences which afford me the character and skills to proactively optimize all areas of a client’s net worth and long-term financial independence.

As one of the largest and most decorated global financial firms, we at Merrill will support you during all stages of your life and throughout every type of market cycle by using advanced systems and intelligent research. As your Merrill Financial Advisor, I will be diligent in customizing each component of your financial portfolio through the tools and capabilities exclusively available within our enterprise. And most importantly, I will personally align your wealth strategies with your life goals. You can expect my "Prosperity Process" to focus on proactive communication, collaborative teamwork, maximized resources, and professional integrity.

I believe that we are all trying to pursue our own versions of financial freedom, and I love helping people shape what that means for them! For you, it could be making your retirement dream a reality, traveling while you are young and healthy, establishing a start-up or exit plan for your company, ensuring your family is not burdened by an unexpected event or your future elderly care, or giving to charitable causes that are important to you. I am easily accessible to you via email, phone, video call, and virtual screen share. Please reach out to introduce yourself and I will explain how my “Prosperity Proposal” starts with a complimentary consultation.


*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.
 


Community

It is an integral part of the Merrill culture to be a positive influence in our communities. I am passionate about volunteering my time to support the following industries. If you have information about opportunities for me to participate with these types of local organizations and events, please call or email me.

  • Sports and Recreation

  • Health and Fitness

  • Agriculture and Environment

  • Animals and Wildlife

  • Small Business Owners and Entrepreneurs

  • EDUCATION

    San Diego State University

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.

Joseph McCullough

Wealth Strategist

Merrill

Patrick Carpio

Associate Investment Advisory Specialist

Merrill

Diorvette McKenzie

Wealth Management Banking Specialist

Merrill

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

Thank you for considering me to be your dedicated Merrill Financial Advisor. In addition to reviewing my Profile section above and the following Philosophy tab, I also invite you to find me on LinkedIn. I believe that personal connections are the foundation for successful professional relationships; therefore, it is important that you become familiar with me, just as I look forward to learning about you.

Whether you are a physical therapist, corporate executive, professor, business owner, retiree, parent, professional athlete, or widow you can rest assured that our Merrill history is rich with helping a wide range of people pursue their specialized wealth goals. I aim to make your transition to our firm as efficient as possible with my “Prosperity Process” so contact me today to discover what you can expect from the Merrill client experience I offer.

Philosophy

When considering the right professional relationship for your wealth management needs, it is key that you understand and relate to a Financial Advisor’s core values. As the client, you have the right to know how and why a Financial Advisor applies your assets and cash flow toward your strategy, as well as what risks and performance expectations are appropriate for you. The foundation in my approach – you are a person, you are not a portfolio. So, the customized “Prosperity Plan” we create together will be reflective of who you are and what is most important to you.

Prosperity Principles:

  • Prosperity is More than a Scoreboard, it’s Puzzle Pieces and Toolboxes
  • Make “Total Brain” Decisions with a 360 Degree Perspective
  • Be Confident in Your Gameplan for Playing Offense and Defense
  • Thorough Preparation is Preferred to Attempting Predictions
  • More Complicated Does Not Ensure More Quality

Contact me to schedule an introductory phone or office meeting and I will clearly explain these wealth management philosophies to you in further detail.

Focus On Individuals, Families, and Small Businesses

I 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, I 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.

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.