Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Accessible, knowledgeable and experienced, Javier is committed to building and maintaining strong client relationships. He is passionate about what he does and he brings that passion to helping every client make what may be the most important financial decisions of their lives. His wealth management approach is about designing investment strategies to help turn goals into reality. When you succeed in meeting your goals, he feel he has succeeded.
With 21 years in the financial services industry, Javier joined Merrill Lynch in 2015 and today focuses on serving the unique wealth management needs of his client. He received his bachelor’s degree in Accounting from Universidad de Puerto Rico in 1997.
Javier follows the deep-seated Merrill Lynch tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community. On his free time, Javier volunteers as a Group Leader for his son’s Boy Scout’s Troop.
Besides serving the community, Javier is also a sports car enthusiast, enjoys soccer, playing golf with his dad, and spending time with his family and friends.
As a Merrill Lynch financial advisor, Javier focuses on connecting all aspects of clients’ financial lives to help them prioritize and pursue goals that matter most to them. He works with individuals and families to understand their financial situation, risk tolerance, time horizon and liquidity needs. Javier helps them articulate their short- and long-term goals, then recommend a financial strategy aligned with what they strive to achieve. I do so while combining personalized service with the investment insights of Merrill Lynch and access to the banking convenience of Bank of America.
Javier’s mission, first and foremost, is to understand your goals and priorities. To take the time to ask hard, smart questions and listen carefully, then understand in great detail, exactly where your wealth stands today and where you’d like it to be tomorrow. He then helps you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals without unnecessary investment risk. His approach is about designing strategies to help turn goals into reality.
It’s important to plan for your financial future, which means getting more than investment advice. Javier believes you may find value in a one-on-one relationship with someone dedicated to knowing who you are and what you want to accomplish. Someone who knows your kids’ names, how hard you worked to get where you are, how you define a successful life and how you view investing. His commitment is centered in helping clients achieve their goals by making their needs and wants a priority. Javier’s advice and strategies are guided by what’s important to you, and our success is defined by your satisfaction over time.
Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:
- The retirement lifestyle they envision
- Preparing for the cost of the best education possible for their children and grandchildren
- Wealth transfer to the next generation
- Establishment of their legacy through family foundations and philanthropy
- Diversifying business interests
- Strategies for managing concentrated equity holdings
Javier believes that to feel good about your finances, you need to know exactly where you are, where you want to go, and how much you may need to get there. He works with you to develop a customized financial strategy, drawing on the best thinking of our firm, to help you with your financial future. He will manage all aspects of your relationship, making it clear what you’re paying for and what you’re getting. As your life and the markets change, he will meet periodically to help make sure you’re on track in pursuing your goals and to adjust your strategy as needed for the journey ahead.
English & Spanish
Universidad de Puerto Rico
We along with your tax professional can help you understand how it might affect your investment strategy
We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy 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.