Ricardo F. Trejo joined Merrill Lynch Wealth Management in 2013 and is a CERTIFIED FINANCIAL PLANNER™ practitioner. He also holds the Chartered Retirement Planning Counselor™, CRPC and Certified Plan Fiduciary Advisor®, CPFA® designations. Ricardo provides goals-based wealth management advice and guidance to affluent individuals, families, businesses, and non-profit organizations to help pursue their short- and long-term financial goals.Wealth Management capabilities include: Investment management, retirement income and tax minimization strategies, wealth accumulation and asset preservation, trust and estate planning services, philanthropic and charitable giving, customized lending through Bank of America, cash flow analysis and education funding. Strategies utilized are dynamic and flexible in nature, permitting for a better alignment between a client’s changing financial needs and fluctuating economic/market conditions.Ricardo is a specially qualified Senior Portfolio Advisor who, in addition to providing traditional investment advice and guidance, can draw from his experience to build and manage custom portfolio strategies, selecting from a wide range of Merrill Lynch Wealth Management model portfolios and third-party investments. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Advisor may manage those strategies on a discretionary basis.Ricardo earned his B.A. in Business Economics & Accounting from the University of California, Santa Barbara. In his spare time he enjoys running, hiking, the outdoors, exploring new restaurants, shopping and traveling. Ricardo’s background in the financial services industry and utilization of various financial instruments has allowed him to help clients prioritize their needs, develop custom strategies, implement recommendations and help preserve wealth.