Profile

David began his financial services career as a Senior Associate at KPMG Financial Advisory in 2007. Prior to joining Merrill, David worked as a Vice President Private Client Advisor at J.P. Morgan Chase. As a Vice President Financial Advisor at Merrill Lynch Wealth Management, David focuses on developing strategies and providing investment guidance for individuals, their families, and their businesses by understanding their short and long-term financial objectives.

David creates a customized wealth management plan and builds a personalized investing strategy for each client, leveraging his access to the full range of investing and banking solutions only Merrill Lynch Wealth Management and Bank of America can deliver, and award-winning BofA Global Research and Merrill resources, to address client’s unique set of concerns, goals, values, and preferences, and to help client grow and preserve client’s wealth.

David provides personalized advice, with the investment insights of Merrill and access to the banking services and lending solutions of Bank of America, on investments, portfolio management, retirement planning, life insurance and annuity, tax minimization strategies, solutions for business, and lending including Margin Loan, Mortgage Loan, Home Equity Loan, Commercial Loan Financing (NMLS ID 1822379).

Whether it’s a phone call, a ZOOM meeting, or an in-person discussion at a Merrill office, Bank of America Branch, or Financial Center, David provides convenient options to connect and ensure productive interactions with his clients.

David holds a master’s degree in accounting and taxation from University of Hartford and a professional certificate in Finance from New York University. He is a licensed securities broker and investment advisor (holds Series 7 and 66 FINRA registrations). He is also licensed in Life, Annuity, Long Term Care and Health Insurance.

David has lived in Connecticut and Massachusetts with his wife for over 28 years. He is fluent in Mandarin. In his free time David enjoys traveling, film making, and electronic music production.


*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

*Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.




Merrill Lynch Wealth Management is here to help you achieve your goals. It is more than looking at markets and returns. It’s about what’s important to you — reaching your goals and managing risks. Whether you’re welcoming a new addition to the family, buying a new home, sending children to college, planning for retirement or leaving a legacy, we will work closely with you to help you define your priorities and connect you to the right solutions.

Choose from a wide range of financial capabilities, including but not limited to:

Advice and Guidance

• Goals-based wealth management process1
• Education funding strategies1
• Extensive global research1
• Tax minimization strategies1
• Investment personality assessment1


Retirement

• Managing income in retirement1
• Managing 401(k) during job transition1
• Planning for retirement1
• Health care expense planning1
• Retirement income planning1


Access to Banking

• Everyday cash management2
• Savings products2


Lending

• Credit cards2
• Home financing2
• Home equity financing2
• Securities-based lending2
• Customized lending2


Investments

• Alternative investments1
• Concentrated stock services1
• Equity and fixed-income strategies1
• Managed account programs1
• Market-linked investments1
• Unit investment trusts1
• Closed-end funds1


Estate Guidance Services

• Charitable giving2
• Insurance and annuities3
• Private family foundations2
• Trusts2
• Donor-advised funds2


Solutions for Business

• Liquidity and cash management2
• Commercial loan financing2
• Retirement solutions1
• Succession planning1


Tracking Progress

• Asset information and measurement1
• Client review1
• MyMerrill.com®1
• Statements1
• Wealth Outlook1
  

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.

2 Banking, mortgage and home equity products are offered by Bank of America, N.A.

3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. 


  • LANGUAGES

    English, Mandarin & Chinese

  • EDUCATION

    Eastern Connecticut State University

    University of Hartford

    New York University

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.

John P Walsh

Retirement Specialist

Bank of America, N.A.

Jeannie Lennox

Wealth Management Banking Specialist

Merrill

Jeffrey P Carchidi

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #482844

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.

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.

    #DigitalMerrill

    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.


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      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.