Cheri A. Nelson



Building meaningful connections with men, women and couples who appreciate her unbiased, straightforward approach, Cheri brings respect and genuine interest in clients to the wealth management experience she provides.

After more than 26 years of gaining different perspectives on the world of investments, Cheri says, “The last thing I want is to talk over people’s heads. Clients know I understand money. What they appreciate is that I understand them – and customize a strategy that suits their needs only. There are no cookie-cutter strategies, because all clients are unique people – that’s how I see them.”

For retired executives and farmers, attorneys, architects, physicians, realtors, small business owners, women taking charge of their finances and many others – including second-generation clients who live out of state – Cheri provides “concierge-level” caring and guidance. Having retained a vast majority of clients for more than 20 years (having lost none during the market turmoil of 2008), Cheri finds that clients consider her “a stabilizing influence” regardless of how their careers, lives and locations change.

Cheri is realistic about aligning a step-by-step wealth management approach with each client’s actual risk tolerance, background, goals, expectations, and market conditions. Accordingly, she constructs conservative-leaning portfolios that aim to provide an income stream and moderate growth. Asking questions of clients, Cheri needs to know if they’re fee averse, or how active a role they want to play. Seeking to preserve people’s hard-earned assets, she explains that, in most cases, they can take less risk and still achieve their financial objectives.

With the discretion given to her by her Portfolio Manager designation, Cheri is able to make investment decisions and adjustments on clients’ behalf. For clients who grant her that ability – and for those who wish to be consulted – she assembles municipal and corporate bond portfolios, for example, blending a mix of equities, mutual funds and ETFs to allow for growth opportunities, Cheri builds “less speculative and more-likely” paths to the goals that clients agree upon with her. For clients who want to “roll up their sleeves” and influence investment decisions, she willingly accommodates them – as long as the overall investment strategy is not compromised.

While Cheri has extensive knowledge in fixed income products, she readily calls upon specialists in areas (outside of investments) that can brighten a client’s full financial pictures – managing debt wisely, estate and trust planning services, tax minimization, insurance and education planning. In scrutinizing client liabilities, for example, recommendations are often made for streamlined lending solutions that extend beyond mortgages, refinancing and home equity (NMLS# 509809) – to short- and intermediate-term financing through securities-based lending, at preferred interest rates. According to Cheri, “Bringing experts on board is critical to each client’s wellbeing. Arranging meetings and simplifying the process is important to their busy schedules.”

Having earned the confidence and in many cases, becoming good friends with clients, many turn to Cheri for advice in purchasing a second home, funding college expenses, even navigating the college application process. “I feel rewarded when clients rely on my resourcefulness. After years of problem-solving in financial areas, the relationships I enjoy have brought me new clients, but more importantly, stronger relationships with clients whose lives I work to enrich.”

Cheri joined Merrill Lynch in 1998, after working eight years as a securities trader for an investment advisory firm and two years in banking. In guiding individuals, couples, families, corporate and institutional clients, Cheri’s versatility and vast experience enables her to guide asset selection, performance evaluation and investments – as well as orchestrate specialists and clients’ own advisors in areas that include lending, financial and estate planning strategies.

Cheri is a loyal alumnus of Boise State University who earned a Bachelor of Science in Finance. She and her husband of “just under” 30 years, Bryan, have raised a grown son and daughter who’ve graduated college and have begun careers, out-of state. In her free time, Cheri enjoys yoga and playing golf (especially with clients), as well as knitting. She also volunteers as a teacher of Scottish country dance.

*Banking and Lending Services are through Bank of America, N.A.
*A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis her own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies.






    Boise State University

Professional Staff

Supported by the global resources of Merrill Lynch, 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, 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


My mission is to understand you and your priorities. 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 then help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals without unnecessary investment risk. My wealth management approach is about using wealth to help turn goals into reality. When you succeed, I succeed.


I believe that the best financial strategy 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. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth on to future generations? With access to the investing insights of Merrill Lynch and the banking convenience of Bank of America, I will work with you to develop strategies that are designed to address your priorities and financial needs.


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

Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, I can help customize the financial strategy we develop together.


My process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. My ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. I can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

Focus On Individuals and Families

I work primarily with high-net-worth individuals and families. I’ll begin by getting to know you as we explore the following seven priorities together:

  • 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
I work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch 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 strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and 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 strategy.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
Using your finances to bring it all together
  • Merrill Lynch 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

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.

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 strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

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

Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.

Transcript of Video 

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.