Now’s the time to have the bull at your back, with Merrill.

Now’s the time to have the bull at your back, with Merrill.

Merrill believes the future is bullish, even in the most unpredictable of markets. To see you through uncertainty and help you to find opportunities, we invite you to check out the latest investment insights from our Chief Investment Office.

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Rita Karl, CDFA, CFP

Vice President
Wealth Management Advisor
Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management

My mission is to help my clients sort through the complexities of their wealth and build a solid foundation for financial success - however they define it.

Profile

I joined Merrill Lynch Wealth Management in 2017 with about a decade of financial services experience. Today I take great satisfaction in my ability to help clients across the country to establish a defined path to simplify their complex financial lives.

I am passionate about understanding each client’s unique story. I welcome the opportunity to solve problems efficiently and provide multiple generations of families with strategic advice and guidance. I often consult on major financial decisions as clients go through transitions in life. This can include matters such as changing jobs or careers, planning for or entering retirement, getting divorced or (re)married, caring for an aging parent, or the death of a loved one. I also engage my clients in important discussions about the role Social Security and Medicare can play in retirement. A notable strength of my practice is my ability to work in conjunction with clients’ attorneys and accountants to help connect all the pieces of their financial lives.

I hold the CERTIFIED FINANCIAL PLANNER, CFP® certification. As a Senior Portfolio Advisor, I can help clients pursue their objectives by managing custom investment strategies on a discretionary basis. Additionally, I earned the Certified Divorced Financial Analyst, CDFA® certification and use my knowledge to help inspire and empower women to take control of their financial lives after divorce or the death of a spouse. 

Originally from Riga, Latvia, I graduated with a Bachelor’s degree from Moscow State Institute of Electronics and Technology. I also graduated from a Certificate Program in Financial Planning from Southern Methodist University in Dallas, Texas. I currently live in Dallas, where I enjoy running, cycling, and traveling. With a passion for art, I enjoy supporting and visiting museums around the world. Among some of my favorites are the Met and the Museum of Modern Art in New York City,  Kimbell Art Museum in Fort Worth, the Dallas Museum of Art and Musée d'Orsay in Paris. I am also devoted to supporting causes dedicated to those who cannot help themselves, including children, animals, the elderly, and the environment.

*A Senior Portfolio Advisor can help clients pursue their objectives by managing on a discretionary basis custom investment strategies, selecting from a wide range of Merrill Lynch Wealth Management model portfolios and third-party investment strategies.

    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.

    Iran Harvell

    Wealth Strategist

    Merrill

    Tabitha Namuli

    Wealth Management Banking Specialist

    Merrill

    Jacob Rothenberg

    Wealth Management Lending Officer

    Bank of America, N.A.

    NMLS #621095

    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

    The first-hand knowledge I’ve gained throughout my career has heightened my ability to connect with people, understand their priorities, and problem-solve on their behalf. Whether your objectives are securing your lifestyle in retirement, caring for aging parents, or arranging for the tax-efficient transfer of wealth to the people and causes you care about, I combine actionable planning and objective advice to help you turn your ambitions into a reality.

    Supported by a team of experienced specialists throughout Merrill and the banking convenience of Bank of America, I strive to:

    - Bring order to your financial life by freeing you of some of the time-consuming details of wealth management
    - Understand your specific needs and develop customized strategies tailored to your unique situation
    - Help your children and grandchildren make informed decisions about their future when they begin to have financial needs of their own

    Philosophy

    To me, thoughtful decision making begins by asking a lot of questions and talking about issues you may not have considered before. While the answers can be eye opening at times, I believe that a sound and productive relationship begins with listening to you and discussing what you determine is most important.

    I help take things off your plate so you can focus on what’s most important to you—family, hobbies, job, or whatever else motivates you. My systematic and disciplined goals-based process is evolutionary and considers the ongoing changes in your life, your resources, and the financial decisions you need to reflect upon.

     

    Investment Approach

    Your unique goals should be at the center of all your financial decisions and form the foundation of your financial strategy. My approach begins by reviewing your assets and liabilities, your comfort level with risk, liquidity needs, time horizon, and where you see yourself and your family in 5, 10 or 20 years. Understanding your specific objectives enables me to develop a targeted, customized investment approach to help you reach those goals.

    The advice I offer is crafted to help you focus on long-term results, not short-term market swings. Once your plan is implemented, I regularly review your investments and your progress towards your goals. I will recommend adjustments to your portfolio as the markets and economic environments dictate to help make sure your investments stay aligned with your goals for your lifetime and future generations.

    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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      #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.

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        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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        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.