Profile

Following in the footsteps of his father, a former Merrill advisor with whom he worked for five years, Scott continues a proud legacy of care, consideration, and consistency on behalf of a growing circle of successful individuals and generations of their families.

Most of Scott’s clients are C-suite executives (active or retired) and business owners - some with 401(k) and other benefit plans that he handles. Others are younger couples building wealth and families.

“While my clientele is diverse in age and stage of life, I find that a vast majority benefit from my background as a Retirement Benefits Consultant and ability to account for ‘meaning and metrics’ in crafting a thoughtful retirement strategy,” Scott says. “I enjoy serving clients who know the right strategy is critical to what they can achieve financially and personally.”

By limiting the number of households he serves, Scott can work closely with both spouses – digging deeper to appreciate what each defines as essential. At the outset of the relationship and frequently thereafter, Scott asks questions, so that a client’s customized plan can stay aligned with their situation and ambitions, “What is the enduring purpose of your money? What are the three most important things in your life, understanding they are most likely not about money? Do you have a wealth management plan? What are your major concerns? Who are you responsible for? Have you accounted for them from an estate-planning standpoint? How can I help?”

In addition to addressing clients’ goals, Scott looks for “holes” in their financial picture – areas that may have been overlooked by a previous advisor. He also scrutinizes both sides of clients’ balance sheets to see if clients can benefit from improved management of their liabilities. Experience tells Scott that investment conversations are meaningless without a plan or clearly articulated goals.

When it comes to investments, Scott considers input from the firm’s Chief Investment Office and often uses a wide range of strategies that he can customize for clients. Scott also relies on investments from other managers he’s known for years carefully vetted by the firm.  Scott not only helps clients understand the “what’s and why’s” of their portfolios, but also shares monthly research updates via email.

Scott has received rigorous industry training and is able to bring business owners and others an extra measure of knowledge and insight. In addition to holding the Certified Plan Fiduciary Advisor, CPFA designation from the National Association of Plan Advisors (NAPA), he is a Retirement Benefits Consultant (RBC), one of a select group of highly qualified and credentialed Merrill advisors specialized in defined contribution plans. He is also a First Vice President, Senior Financial Advisor, and Merrill IAP Senior Portfolio Advisor.

Over the course of his career, Scott has set up more than 100 company-level 401(k) and profit-sharing plans. Before joining his father at Merrill in 2012, Scott was a 401(k) provider at Paychex. Prior to that, he served clients for six years at Arthur Andersen in Chicago.  He was offered and accepted the position at Andersen before his senior year of college.  Scott earned a Bachelor of Science degree in Accounting at Miami University (Ohio). 

Scott resides in Hobe Sound with his wife, Trisha, and their teenage daughter and son. His passions revolve around family time spent at Mariner Sands Country Club, golfing, working out, playing pickleball, fishing, and supporting his children’s concerts, performances, and sporting events.



*Scott does not provide tax or legal advice in his role at Merrill.
*A Senior Portfolio Advisor can help clients pursue their objectives by managing on a discretionary basis custom investment strategies, selecting from a wide range of Merrill model portfolios and third-party investment strategies.
*The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”). This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available.

  • LANGUAGES

    English

  • EDUCATION

    Miami 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.

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.

Kevin Clemson

Employee Benefits Specialist

Bank of America, N.A.

Alejandro Vallejo

Wealth Management Banking Specialist

Merrill

Amy T Mitchell

Employee Benefits Specialist

Bank of America, N.A.

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, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you’d like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.

Philosophy

I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Approach

Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

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. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.

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      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.

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      No question too big or moment too small
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      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.

      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.