Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
In the constantly evolving financial world, many investors see investing as a complex science depending on slick strategies and complicated products — when more likely a less complex and rational perspective will provide the results they seek. Whether you’re accumulating wealth, or distributing it for retirement, Joe commits to simple and clear strategies at every stage in the investment cycle. To uphold this commitment, Joe delivers logic-driven and time-tested services — from helping manage company retirement plan’s fiduciary responsibility to supporting affluent families’ investment and insurance-planning needs.
Joe is a Defined Contribution Investment Consultant (DCIC) and a Retirement Benefits Consultant (RBC) for Merrill. These designations are only awarded to a limited number of Advisors who have completed a rigorous assessment process and enable him to advise large multinational publicly traded institutions on 401k and retirement planning needs. This includes experience working with committees and various branches of the committees ranging from internal and external legal counsel as well as payroll and various HR employees to help achieve a positive investment committee and participant experience.
To be a Wealth Management Advisor, Joe had to pass various trainings to help with the most complex needs of families that may have far above average wealth. He works with individuals and families, and committees of these families or their family offices, to help develop wealth management strategies, including investment advice and guidance, as well as wealth transfer strategies for multigenerational families.
Joe has relationships with Merrill’s Institutional Investments & Philanthropic Solutions group to help advise Endowments and various 501(c)(3) charities with their unique investments needs, as well as providing access to Donor-Advised funds and Foundations.
On a continuous endeavor to learn, Joe has completed the Executive Education curriculum at The Wharton School of Business, University of Pennsylvania to hold the Certified Investment Management Analyst® (CIMA®) awarded by the Investments & Wealth Institute™, The College of Financial Planning to hold the Chartered Retirement Planning Counselor (CRPC®) and National Association of Plan Advisors (NAPA) to hold the Certified Plan Fiduciary Advisor (CPFA®) designations. Joe earned his Bachelor's of Science in 2006 from Weber State University in Utah and a Master's degree in Business (MBA) in 2011 from Florida International University.
Prior to joining Merrill Lynch Wealth Management in January of 2010, Joe worked in private banking, and brings a dual focus on investments and lending (commercial lending and residential loans). Utilizing CMBS and other forms of commercial credit, and conventional home loans, Joe can help make the process less burdensome by maintaining consistent communication and faster response times.
Over the last few years, Joe has received recognition, including the following:
Forbes/Shook "America's Top Next-Generation Wealth Advisors" list, 2018.
Joe is married with their four children, and currently resides in Miami, FL. and holds a basic focus in life of family, faith and finances. In-between work, he enjoys traveling, trying new amazing foods, playing games, telling a good joke, watching movies, and having dance parties with his kids.
*Source: Forbes/SHOOK "America's Top Next-Generation Wealth Advisors" list, July 2018. For more information about the selection criteria, go to http://details-he.re/F7Z3tV. Forbes is a trademark of Forbes Media LLC. All rights reserved. These rankings and ratings are not representative nor indicative of any one client's experience, future performance, or investment outcome.
**Global Institutional Consulting (“GIC”) is part of the Global Wealth and Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly-owned banking affiliates of BofA Corp., including Bank of America, N.A. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a dually registered broker-dealer and investment adviser and member SIPC.
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.
Florida International University
Layton High School
Weber State University
Forbes "America's Top Next-Generation Wealth Advisors"
Forbes "Best-in-State Next Generation Wealth Advisors" in 2019
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1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
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 strategy, our goal is to help you stay on track to achieve what's most important to you.
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Drawing from our experience and the best thinking of Merrill, we will build a strategy 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.