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Zachary J. Bond-Stefo

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Profile

Zachary includes the DRIVE process as a holistic approach to his clients along with a unique blend of education, experience and insight. His principles of gratitude, discipline, patience and integrity are the foundation of the process integrated from his experience as a competitive athlete and collegiate football coach. Zachary and his team of experienced wealth management professionals have been guiding individuals & families to financial independence including:

- Aerospace & Defense Industry Professionals
- Sports & Entertainment Professionals
- Multi-Generational Families
- Executive Services for Public Companies
- Private Business Owners
 
Prior to joining the exclusive tradition of wealth management professionals at Merrill Lynch Wealth Management, Zachary was a collegiate football coach at Central Michigan University & Colorado State University. Zachary is an MBA graduate from Florida Atlantic University and former athlete (2017). Prior to being a graduate transfer at FAU, Zachary was a former student-athlete at Colorado State University while graduating early with an undergraduate degree in Economics (2014-2017).

Zachary was coached and mentored under the coaching trees of Mike Bobo, Jim McElwain, Lane Kiffin, Steve Fairchild, and John Bonamego.

Zachary, his partner Carolina and their dog Rex reside in Denver, CO and enjoy fitness, cooking, travel, and sporting events in their free time. Zachary is actively involved with multiple sporting associations, charities and religious organizations with a global presence.
 
**"Please connect with Zachary today to get more information on how he can help DRIVE you & your family to financial independence."

  • EDUCATION

    Colorado State University

    Florida Atlantic University

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.

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

My mission is to understand you and what matters most to you. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. I help you design and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. My wealth management approach is about using wealth to help turn goals into reality.

Our Values

Our Values is to provide you and your family a holistic financial process in order to meet your goals based wealth management. The values I have learned from my time as a Student Athlete & Collegiate Football Coach are rooted deep into my practice and financial philosophy. 

  1. Gratitude
  2. Discipline
  3. Patience
  4. Integrity

Philosophy

We believe it is important that you take positive steps toward your financial future, and that means getting more than just investment advice. We take the time to get to understand who you are, what you hope to achieve and what keeps you up at night. Using an understanding of your life and priorities as a foundation, we can work with you to build a goals-based financial strategy.

The Process

We developed and refined a goals-based wealth management process to help address clients’ financial problems with thoughtful advice and guidance. 

  • Discovery: During discovery meetings we get to know each client or family member and what matters most to them.
  • Reflect: We combine information obtained in the discovery with the world-class technology and resources available exclusively to us by Merrill Lynch Wealth Management to create the financial roadmap to our clients’ goals.
  • Implement: Each clients’ roadmap is used to determine the appropriate strategies needed to help achieve the goals of their unique wealth plan.
  • Verify: We consistently evaluate each client account to help ensure the investment strategies implemented are aimed at their goals.
  • Evolve: Our goal is financial well-being. Our goals-based wealth management process is designed to evolve as our clients and their lives evolve, whether it be major life events or changing retirement goals.

Our Clients

We manage the personal and business finances for a select group of successful families and individuals. Our clients work with us because we are a team of highly knowledgeable financial advisors, appointed as their financial counselors because they may not have the time, inclination or expertise to do it themselves.

We limit the number of individuals and families we serve in order to dedicate the time and attention needed to tend to our clients’ high level wealth planning and preservation needs. They value our wide range of strategies and resources, from estate planning services to charitable giving to setting up a trust. In many cases, we collaborate with other member of their professional team such as attorneys or CPAs. We take the trust clients place in us very seriously and because of that trust our relationships go beyond finances. With our team it’s not about industry benchmarks — it’s about you and your goals

Your Financial Approach

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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

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.

Staying on Track

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.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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.


      Merrill_Capabilities_Brochure.png  

      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.

      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.