Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
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 Wealth Management 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 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 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. He does so while combining personalized service with the investment insights of Merrill 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 track 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
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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 periodically 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.