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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Siva Veerapandy, CFA

Senior Vice President
Wealth Management Advisor
Learn more about an advisor's background on
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Merrill Lynch
Wealth Management

My wealth management philosophy places the investor front and center - while maintaining a focus on the market.

Profile

Siva Veerapandy’s affinity for analytics, research and client devotion is a reflection of his career achievements and passion for lifetime learning. “I’m client-driven and data-driven,” he points out. “I’m also fortunate to have deep experience in equities research, trading applications, and corporate and investment banking. This gives me a perspective on market behavior and the value of serving distinct aspects of clients’ wealth.” 

Like Siva, clients are highly accomplished and place great importance on education and hard work. They include active and retired corporate executives who can benefit from Siva’s extensive knowledge of executive compensation plans, as well as physicians and generations of high-net-worth families in New York, New Jersey, Pennsylvania, Florida and eighteen other states.

“There’s a big difference between talking to clients and building relationships with them. I work to gain a firm grasp of clients’ personal and professional aspirations, what they need most, and ‘who’ a client really is. I believe my age and sensitivity to clients’ issues also help me facilitate meaningful discussions with clients and spouses, their children, and gather entire families for meetings. Superior wealth management requires my sincere effort and personal integrity,” Siva explains.

Siva believes in taking a long-term approach to building risk managed investment strategies. Based on each client’s goals, time horizon, liquidity needs, and comfort with risk, he uses BofA and third-party research to formulate client portfolios that are evaluated over time, to align with tax-minimization and estate planning strategies he coordinates with clients’ CPAs and attorneys. Siva also pays close attention to clients’ liabilities – offering access to Bank of America N.A.

“Rather than be reactive, I prefer to be proactive – calling clients frequently to update them and myself. Serving busy professionals is why I work around clients’ schedules, visiting them in their homes and offices. Being a caring financial advisor means that I’m approachable and available,” Siva adds. 
 
Before joining Merrill Lynch Wealth Management in 2015, Siva spent over 15 years in the financial services industry working for firms like Wells Fargo and Morgan Stanley where he began cultivating relationships with dozens of clients he serves today (including many who require his familiarity with executive compensation plans).

Siva is proud to have built a loyal circle of referred client families – and to have earned the Chartered Financial Analyst® designation, an MBA in Finance from Temple University, and a Bachelors degree in Electrical Engineering from PSG College of Technology in India. Siva and his wife reside in Newtown, Pennsylvania with their son and daughter. His passions include traveling, hiking, swimming, and actively supporting charities that serve children in the United States and India. 
 

Practice Areas: 

Wealth & Retirement Planning
Multi-generational Trust & Estate Planning Services
Portfolio Management & Risk Management
Alternative Investments - Hedge Funds and Private Equity
Insurance & Annuities
Access to Lending Services through Bank of America N.A.




*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 equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. 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 & Spanish

  • EDUCATION

    MBA in Finance, Fox School of Business, Temple University, Philadelphia, PA

    BE, Electrical and Electronics Engineering, PSG College of Technology, India

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.

Natalie De La Calle

Alternative Investments Regional Specialist

Bank of America, N.A.

Joshua E Schneider

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #644442

Christopher Caradec

Wealth Strategist

Merrill

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

As a Merrill Lynch Wealth Management Advisor, I focus on connecting all aspects of clients’ financial lives to help them prioritize and pursue goals that matter most to them. I work with individuals and families to understand their financial situation, risk tolerance, time horizon and liquidity needs. I help them articulate their short- and long-term goals, then work with them to establish a financial approach aligned with what they strive to achieve. I do so while combining personalized service with the investment insights of Merrill and access to the banking convenience of Bank of America.

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. 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 to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Approach

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.

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

My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

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. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I start by getting to know you and how you feel about the following seven life priorities.

  • 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

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.

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.

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      Let’s Have a Conversation

      We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue your goals.

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      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.