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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David Mead and Associates

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Merrill Lynch
Wealth Management

At David Mead and Associates, every member of our team is dedicated to helping people achieve their financial goals. We believe every client is entitled to the highest level of personalized service and care. With the global resources of Merrill, we’ll place you at the center of the wealth management process as we work together to design a goals-based financial approach to help you reach the goals that matter most to you.

David Mead started his Wall Street career in 1988, when he worked as a Financial Consultant for PaineWebber, Incorporated.   In 1996, David joined Merrill, and has since put together a planning based wealth management team – David Mead and Associates.   With over 30 years of experience, David Mead & Associates has distinguished itself by providing customized advice and guidance serving individuals, families and foundations. 

Headquartered in Reston, Virginia, David Mead & Associates works with their clients by helping them quantify their goals and objectives, setting an investment course, navigating through the noise, and serving with a humble heart.  In doing so, we help our clients grow their assets, diversify their holdings, help them to help others – whether family or through philanthropy, all in a tax-efficient and fee-transparent manner.

Our Approach

We do not subscribe to a “one size fits all” philosophy.  The work we do is customized for you and your financial situation.  This means taking into account where you are now, your tolerance for risk, liquidity needs as well as your time horizon.

We focus on understanding clients’ goals and objectives so that we can help them to develop a targeted, customized approach.  Whether the subject is retirement, education for children or grandchildren, estate planning services or philanthropic objectives, quantifying their goals is critical in developing an appropriate strategy.

Once your goals are clearly articulated, we help you implement your strategy.  This process includes a thorough review of assets and liabilities, as well as an intensive understanding of your comfort level with risk.  Our experience has shown that risk management within an investment portfolio is a key driver of long-term investment performance.  Our approach is scalable and nimble, able to respond quickly to market opportunities as needed. 

From implementation forward, we review the portfolio, as well as your progress toward your goals.  Through regular communication, we provide periodic performance updates, and are able to recommend adjustments as the market and economic environments dictate.

Commitment To Clients

As a client, you will have a dedicated three-person wealth management team, with each member having a specific role and skill set.  You will be served by a senior wealth management advisor and two registered wealth management associates with access to additional resources such as a Wealth Management Lending Officer from Bank of America, N.A., who can draw upon an expansive array of lending solutions designed to fit into your overall financial strategy and help you pursue your financial objectives.  In addition, we will consult with other specialists within Merrill and Bank of America as needed, in concert with your personal tax advisor and estate planning advisor and/or attorney. 

At our core, our commitment to our most valuable asset – our client, is based on our five principles of superior service:

  • Client Focus
  • Respect for the Individual
  • Teamwork
  • Responsible Citizenship
  • Integrity

* The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products.

Who We Work With

With over 40 years of experience, David Mead and Associates has distinguished itself by providing customized advice and guidance serving individuals, families and foundations, with our mission to help our clients achieve their goals.  The clients we work with come from all walks of life: they are business owners, professionals, athletes and corporate executives.  We pride ourselves on our client focus and the strong relationships we develop with individuals, families and foundations.


Our 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. Our 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. We view ourselves 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.”).


Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

David W Mead

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021 and 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Meet the Team

Supported by the global resources of Merrill, our 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.

Keller Hardy

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #1043656

Emmanuel Appiah-Berko

Wealth Management Banking Specialist


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 we can help you create a financial approach that reflects your personality. Only then can we 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.