Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
Kristopher Todd, CFP®, CRPC®
Senior Financial Advisor
In a constantly dynamic global economy, Kris Todd delivers the goals-based wealth management services investors need to help ensure their financial decisions align with their life goals. As a dedicated Financial Advisor, he believes clients receive the best outcomes when a professional is by their side with straightforward, honest guidance, no matter their objectives. Kris delivers personalized service and hands-on guidance solely driven by clients' unique needs.
Kris first entered the financial services industry serving as a financial advisor at Morgan Stanley Smith Barney. In 2011, he joined Merrill Lynch Wealth Management so he could engage clients with access to industry-leading research and specialists, as well as banking and investment services that address both sides of their balance sheets: assets and liabilities. In 2017, Kris and Bill Shields formed The Shields / Todd Group in order to leverage their capabilities and better serve clients' needs. When working with clients, Kris strives to never settle for yesterday’s approach and diligently works to refine strategies as the markets and clients’ life goals evolve. Education and accountability are at the forefront of his relationships, as he believes informed investors are better prepared to pursue long-term success.
Kris holds the CERTIFIED FINANCIAL PLANNER (CFP®) certification and the Chartered Retirement Planning Counselor (CRPC®) professional designation, as well as applicable securities registrations and insurance licenses. He earned a bachelor’s degree in finance from Salisbury University. He and his wife Traci have been blessed with three children; Sadie, Kyler and Savanna.
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.
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.
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.
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
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.
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.
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
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.
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.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.