Keith Orsaba

Philosophy

I believe wealth should be managed with **purpose** and **careful planning**. This includes being mindful of **taxes**, maintaining a **long\-term perspective**, and **protecting against unnecessary risks**. **Consistency** and **discipline** are key to achieving **lasting results**.

How I Work

My process begins with gaining a clear understanding of your full financial picture, including your goals, income, assets, and long\-term priorities. From there, I work with you to **organize and simplify key decisions**, helping you understand how each choice impacts your broader financial plan. This includes aligning investment strategy, income planning, and overall financial efficiency into a cohesive approach. Once a strategy is in place, my focus shifts to **ongoing guidance and refinement**. As your life evolves or market conditions change, I help you adjust thoughtfully—without losing sight of your long\-term direction. My goal is to provide **consistent, steady direction** so you can feel confident in both day\-to\-day decisions and long\-term planning.

Capabilities

I provide **comprehensive financial guidance** designed to address multiple areas of your financial life, including **tax\-aware investment strategies**, **retirement income planning**, **estate considerations**, and **business transition planning**. My goal is to help ensure each piece works together cohesively while **protecting what you've built** and bringing greater clarity and structure to your overall financial strategy.

Who I Work With

I typically work with **business owners**, **high\-earning professionals**, and **families** who want to make more informed and efficient financial decisions. Many of the clients I serve are at a stage where they've built meaningful wealth and are now focused on **protecting what they've built**, improving overall **financial efficiency**, and preparing for important transitions such as retirement or the eventual sale of a business.

Personalized planning

**Helping you create a personalized plan** At Merrill, we go beyond the traditional role of an advisor. * Your goals, concerns and attitude about investing are the foundation of your plan. * We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family. * We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Team and resources

**Giving you access to our teams and solutions** Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with: * Bank of America specialists, such as mortgage or trust professionals * Timely insights from BofA Global Research1 to help you stay informed and navigate ever\-changing markets * A [full suite](https://www.ml.com/solutions/all.html) of Merrill investing and Bank of America banking solutions ^1^~BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker\-dealer, [Member SIPC](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition