Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
Women’s superpower: Investing
Watch our experts share ways to tap into your ability to build a more secure financial future.
Merrill Lynch
Wealth Management
For successful people seeking the attention of a trusted advisor, I apply my experience and knowledge to help improve both sides of their balance sheets, as well as their outlook.
Profile
Mike didn’t grow up wealthy, which he believes has inspired a lifelong appreciation of people’s hard work and sacrifice. Today, he serves a loyal clientele who’ve taken distinct and often challenging paths to success – and his door. They include active and retired corporate executives, attorneys, physicians and entire families in twenty-five states, as well as non-profit organizations.
“Clients work diligently to save money,” Mike says. “Investing should never require that they ‘earn money twice’ in a lifetime. That’s why I aim to preserve clients’ wealth and achieve reasonable growth with consistent investing over time – and without needless risk. Diversifying assets across asset classes, I help clients achieve well-deserved retirement lifestyles, send their kids to college, and pass along wealth with wisdom. I do that by educating clients’ children whenever possible.”
Mike finds that clients are often referred to him because he spends significant time understanding their priorities and helping them figure things out. For clients who may have received less-than-desired attention from a previous advisor, Mike explains that he proactively and personally can help them “see around corners” – to prepare for new financial situations and opportunities.
“On a given day, I’ll talk to clients about Social Security scenarios, long-term care insurance, Medicare, and family challenges that are driving new financial considerations. For me, building trust is at the foundation of each client relationship I have. Most clients have been with me for more than ten years, which I believe speaks to them appreciating my integrity and ability,” Mike explains.
Having worked at Banc of America Investment Services, Mike is highly skilled and motivated to explore what clients wish to accomplish. He begins by identifying areas of opportunity on both sides of their balance sheets. Advising clients not to incur unreasonable debt, he often provides access to residential, securities-based and commercial lending from Bank of America when it can benefit them. Mike’s numerous contacts within the firm include banking and trust specialists, and others he “brings to the table” on behalf of clients.
In 1997, Michael launched his career with Merrill Lynch Wealth Management in New York City. Three years later, he returned to his roots in the D.C. area and joined Bank of America – staying with the firm through its merger with Merrill. Mike holds the Chartered Retirement Planning Counselor, CRPC designation from the College for Financial Planning Institutes Corp.
Paying his way through college, Mike earned a Bachelor of Science degree (cum laude) in Biology and Psychology from James Madison University, where he was also a member of the varsity rugby team. Today, Mike resides in Mount Vernon with his wife and three children. An avid fisherman, Mike is a loyal supporter of his children’s sporting events. He also volunteers at his local parish and children's schools.
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.
-
LANGUAGES
English
-
EDUCATION
Ft Hunt High School
James Madison University
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.
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.
Andrew Cervantes
Senior Wealth Management Lending Officer
Bank of America, N.A.
NMLS #276332
Miranda Culver
Wealth Management Banking Specialist
Merrill
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.
Articles
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.
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.
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.
The Power of the Right Advisor®
Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.
You are now leaving Bank of America Merrill Lynch.
By clicking Continue, you will be taken to a website that is not affiliated with Bank of America Merrill Lynch and may offer a different privacy policy and level of security. Bank of America Merrill Lynch is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites.
You can click the Cancel button now to return to the previous page.