Tune out the noise: Wealth planning for the year ahead

Tune out the noise: Wealth planning for the year ahead

Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.

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Brian has earned his stripes as an accomplished financial professional and former member of the U.S. Army. His mission? To support clients’ objectives – helping them move smoothly from Point A to Point B with the least amount of risk possible.

In every aspect of his life, Brian believes in doing what is morally right and holding himself to a higher standard. The diversity and loyalty of his clientele reflect his ability to apply rigor and discipline in a friendly and open manner – helping individuals and families feel comfortable in discussing financial and personal issues.

“Given my military background and decades spent as a financial advisor, I am driven by facts and the results of proven strategies,” Brian says. “I’m doing my job well if I can bring about financial outcomes that clients define as meaningful. I serve hard-working people who expect me to work as hard as they do. They deserve it – and it’s my privilege to serve them.”

Brian is a highly credentialed advisor who finds his industry training allows him to bring an uncommon measure of knowledge to clients – as they pursue careers and rewarding lifestyles. He holds the Accredited Domestic Partnership Advisor℠, ADPA® certification from the College for Financial Planning Institutes Corp and the CERTIFIED FINANCIAL PLANNER™, CFP® certification from the Certified Financial Planner Board of Standards.

Brian joined Merrill as a financial advisor in 2005 after spending eight years at Morgan Stanley in the same role. During his time as an Indirect Fire Infantryman in the U.S. Army, Brian was awarded two Army Achievement Medals, the National Defense Medal, the Kuwait Liberation Medal, and the Southwest Asia Service Medal with one Bronze Star. He was honorably discharged shortly after his tour in Operation Desert Storm/Shield.

In 2018, Brian founded Operation Honor Guard - a 501(c)3 non-profit organization that honors fallen soldiers by cleaning and restoring their headstones with the hope of bringing new life to their final resting place (www.graveguard.org).

Brian holds a Bachelor’s degree From West Chester State University and a place in his heart for family time – with his wife, Mondi, and their three children.

Community involvement is an integral part of how we interact with clients and the areas in which we live.  This drives our interest in spending time volunteering with organizations that share our core values.  We believe the effect you have on others will be your most valuable investment.  

    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.

    Sondra Gee

    Wealth Management Banking Specialist


    Alison Guard

    Senior Wealth Management Lending Officer

    Bank of America, N.A.

    NMLS #535296

    Christopher Caradec

    Wealth Strategist


    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


    Today's investment climate offers unprecedented opportunities.   We believe a strong wealth management plan is the best way to create a more financially secure future and the more we can learn about you, the more we can help you make informed decisions.  We want to help you better understand the investment planning process so you are comfortable and confident with the decisions we make together.   Educating clients helps keep them focused on their goals and moderates the emotions that frequently undermine a successful investment plan.  




    I believe that communication is instrumental to success in managing life’s challenges. That’s why I work to engage families in the financial decision-making process. Communicating openly with family members on the sometimes difficult subject of wealth can be a challenge. I can help facilitate these discussions and offer opportunities to educate the younger generation about how assets may be invested.


    I begin every relationship 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.

    Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

    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.

        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.