Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
With offices in Walnut Creek, California and Madison, Wisconsin, our diverse team has more than 100 years of combined industry experience. Many of us hold various designations consisting of the following:
• The CERTIFIED FINANCIAL PLANNER™ (CFP®) certification
• The Certified Private Wealth Advisor® (CPWA®) certification
• The Certified Exit Planning Advisor® (CEPA®) certification
• The Chartered Retirement Planning Counselor (CRPC®) certification
• The Certified Plan Fiduciary Advisor (CPFA®) certification
• The Accredited Asset Management Specialist (AAMS®) certification
Together, we are committed to managing your total financial situation, going beyond the single dimension of investments to integrate all of the pieces of your financial life.
Wealth Management is a dynamic process. As we focus on you today and help you identify your goals for tomorrow, we can strive to work together throughout life’s ups, downs, triumphs, and transitions. Helping you pursue your goals starts with getting to know you and your family. Our job is to first understand what matters most to you. We will work together to create a financial approach that reflects your investment personality and is built around your life priorities. We will be here to help you make adjustments to your wealth management approach if and when necessary over time.
We help you allocate your investments through low cost, tax efficient portfolios that are regularly rebalanced.
Like many endowments and institutions, we believe in the appropriate use of alternative investments such as private equity and commercial real estate to potentially enhance returns and reduce volatility. We also actively employ tax minimization strategies for you, many times in collaboration with your tax professional.
*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.
The corporate executives we serve look to us to help simplify the increasing complexity of their financial lives. In addition to our wealth management process, we educate and offer advice on your suite of corporate benefits, including:
• Concentrated stock strategies
• Restricted Stock Unit (RSU) analysis
• Option award valuation
• Non-Qualified Deferred Compensation (NQDC)
• Employee Stock Purchase Plans (ESPP)
• Net Unrealized Appreciation (NUA) analysis
We understand that the needs of every business owner are unique. In addition to our wealth management process, we advise and educate business owners in various ways, including:
• Working with the owner(s) to determine an intergenerational or external exit strategy
• Integrating the owner(s) equity and cash flow with a personal wealth management process
• Managing owner(s) liquidity during the sale or restructuring of the business
• Structuring corporate benefit plans
• Identifying insurance strategies for key employees
• Collaborating with Bank of America to address cash flow and lending needs
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.
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.
Alternative Investments Regional Specialist
Bank of America, N.A.
Bank of America, N.A.
Wealth Management Banking Specialist
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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 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 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.
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 will work to help you stay on track, regardless of what the markets are doing.
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.