Who Are We

We are a Goals Based Wealth Management Team working with a select group of clients to establish and help realize goals centered on their 7-life priorities; family, finances, home, health, work, leisure and giving. Incorporating a holistic approach, we help manage personal wealth and liabilities, retirement assets, along with business planning and wealth transfer strategies. Each year we develop relationships with a limited number of new clients.

Our Value Proposition

>We are your Financial Advocate – here to assist with your overall financial well being
>Our knowledge, experience and resources helps you make more informed financial decisions
>When life disrupts the status quo, we are there to help you adjust and plan
>We coordinate various aspects of your financial affairs, including but not limited to:
     - Investments
     - Liquidity/Emergency needs
     - Short and long-term goals
     - Cash flow and retirement planning
     - Social Security decision making
     - Life and disability insurance
     - Debt/mortgage guidance
     - Estate and retirement plan beneficiary designations
     - Tax reporting on investment accounts provided to your tax professional
>Our Investment oversight will:
     - Help you better understand the risk in your investment portfolio
     - Track your overall household investment allocation, including assets held outside our firm
     - Evaluate the management and performance of the investments in your portfolio
     - Help with liquidity management for emergencies, personal and professional transitions
     - Pro-actively suggest adjustments to, and rebalancing of, investment portfolios
>We do NOT incorporate a market timing approach to investment management. 
>We integrate a strategic investment allocation approach with tactical adjustments focusing on:
     - Economic outlook
     - Federal Reserve and Central Bank Policy
     - Market and asset class valuations
     - Government, Corporate and Personal balance sheets
>On-going communication will include:
     - Direct access to the investment professionals
     - Monthly statements and periodic portfolio reviews, but no less than semi-annually
     - Comprehensive assessments and personal “check-ups"
 
Paul Sanit

Paul Sanit is a Senior Vice President and Senior Financial Advisor for Merrill Lynch Wealth Management and brings over 42 years of industry experience. He earned a Certified Plan Fiduciary Advisor^® designation awarded by the National Association of Plan Advisors. Paul is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Portfolio Manager may manage his strategies on a discretionary basis. Paul began his financial services industry career in 1981 and dedicated over eight years to E.F. Hutton's Personal Financial Planning Division, where he advised some of the firms most affluent clients. He received a degree in Finance from Hofstra University. He enjoys golfing, biking and exercise during his free time.

Kristina Klamer

Kristina Klamer is a Registered Wealth Management Client Associate with Merrill.  She has over 26 years of professional experience in the financial services industry having focused on Banking, Lending, Business Solutions and Wealth Planning.  A native to California, she grew up in Encinitas and enjoys spending time with her family and friends.  In her free time she enjoys live concerts and watching the latest and greatest streaming show.

Additional Resource – Wealth Management Lending Officer

You may also benefit from the experience of a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized home financing guidance focused on your needs.  Working together, your Financial Advisor team and Lending Officer can draw upon an expansive array of home financing solutions designed to fit into your overall financial strategy and help you pursue your financial objectives.