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Brian J. Pappalardo
Senior Vice President
Senior Financial Advisor
Portfolio Manager


B.J. began his career in financial services in 2000. In 2006, he began working at Merrill alongside his father, Brian, a veteran of the industry for nearly 50 years. Growing up in the business, a large number of his clients have known B.J. since he was very young. Many of these individuals have been with the team for more than three decades, and today those relationships span multiple generations of families. To B.J., the best part of his role as a financial advisor is developing deep, personal bonds with his clients and having a positive impact on their lives by helping them achieve their goals.  

Over the past decades, B.J. has weathered both turbulent and booming markets and has learned that managing money requires a different mindset than in previous years. He helps clients remove the emotions associated with their finances so they can make smart decisions based on their needs and goals. By emphasizing a deliberate and conservative style to investing, he encourages clients to focus on long-term results rather than short-term market swings. 

B.J. earned his bachelor’s degree from Western State College of Colorado in Gunnison. He and his wife, Julia, live in Crystal Lake, Illinois. Ice hockey has been a large part of B.J.’s life since he was a young boy and today he continues to play and coach his four children. When he’s not in the office or on the ice, B.J. enjoys gardening, cooking and traveling.

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.


    Western State College of Colorado

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


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.


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.

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.


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.

Brian J (BJ) Pappalardo

With an excess of financial products, technology and information, attempting to manage your own investments in today’s challenging economy can be an overwhelming and time-consuming task. The Pappalardo Group, strives to help take the stress and complexity out of your financial life. As your single point of contact, our goal is to offer objective advice and guidance, exceptional service and personalized attention for all of your wealth management needs.  

Since every client has a unique financial outlook and differing feelings about risk and investing, we believe the key to a quality strategy is true customization. That’s why we design and refine investment recommendations tailored just for you—and no one else. Our philosophy is based on managing risk first and returns second. Instead of relying on assumptions to pick the hottest stocks, we base our recommendations on a strict investment methodology to identify trends and help align your portfolios with your goals.

Over the past decades, we’ve built our reputation on the ability to understand risk at its deepest levels. Rather than taking research and information at face value, we delve deeply to uncover insights and identify sound investment decisions to help mitigate downside risk while simultaneously positioning your portfolio to take advantage of the potential for positive returns in the long run.

One of the reasons we believe clients enjoy working with us and choose to stay with us is that they feel a sense of connection. As clients go through various stages in their lives, they often discuss major financial decisions with us. These can involve such matters as changing jobs or careers, starting a business, getting divorced or remarried or caring for an aging parent. Sometimes clients just want us to give them an opinion on whether we think they’re making sound financial choices. We look forward to helping you and your family bring all of the parts of your financial life together to implement a seamless, disciplined wealth management strategy to help you build, preserve and transfer your assets.

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.


    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.


      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.

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      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.

      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.