I am a senior member of Reilly, Terrazas, Krone and Associates whose mission is to help a dynamic group of clients – Silicon Valley entrepreneurs, physicians, attorneys, entertainment personalities, retirees and multiple generations of successful families – pursue what's important to them. Our team is committed to building strong client relationships based on trust and personalized service. We strive to provide clients with a breadth of tailored strategies that come from 90 years of combined wealth management experience and the global resources of Merrill.

Charles Terrazas

Managing Director, Senior Financial Advisor

NMLS #558483

Two Belvedere Place

Suite 100

Mill Valley CA 94941

(415) 289.8848

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Profile

I joined Bank of America in 1981 as an Institutional Fixed Income Sales Representative within the Investment Securities division. In that role, I provided Foreign Central Banks with guidance in building and managing U.S. dollar denominated fixed income portfolios. My technical knowledge led me to join Credit Suisse First Boston in London within its Institutional Sales division, where I developed investment strategies for institutional clients dealing within the multi-currency fixed income markets. In 1993, I rejoined Bank of America in its Securities Institutional Fixed Income Sales division and then, the Institutional Fixed Income Trading Desk as a Principal of Treasury Trading. In 2005, I was recruited to join Bank of America’s Ultra High Net Worth Sales Group as a Senior Financial Advisor to manage and advise key individual accounts, as well as develop proprietary portfolio strategies. In addition to serving clients directly, I develop the team’s technical analysis and portfolio strategies.

Recognition

Forbes "Best-in-State Wealth Advisors", 2022-2026

(Published annually Jan – April. Rankings based on data as of June 30 of prior year.)

Forbes "Best-in-State Wealth Management Teams", 2023-2026

(Published annually in January. Rankings based on data as of March 31 of prior year.)

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About Me

Welcome

Distinguished by years of industry recognition and deep client loyalty, Reilly, Terrazas and Associates delivers a disciplined and sophisticated investment approach paired with a highly personalized "white glove" service model. Together, these elements are designed to help clients enhance and preserve wealth over the long term.

We construct portfolios tailored to each client's unique preferences, values, and aspirations. Our investment discipline emphasizes thoughtful risk management, with strategies intended to provide desired levels of current income and long-term capital appreciation while seeking to minimize tax exposure. Because many of our clients approach wealth accumulation with a conservative mindset, we manage their assets with the same care and prudence.

By combining our proprietary investment strategies with the broad resources of Merrill and the banking convenience of Bank of America, we are well-positioned to address both the immediate and long-term objectives of our clients and their families. We collaborate closely with clients' attorneys and accountants - facilitating strategy alignment around tax efficiency, wealth transfer, and philanthropic goals - while providing ongoing reporting and timely updates.

We invite you to contact us today to schedule a comprehensive review of your financial picture.

Meet Our Professional Staff

Sean Reilly

Managing Director, Senior Financial Advisor

415.289.8815

Jennifer Krone Tuttle,

CRPC™

Vice President, Business Manager

415.289.8819

Markus Stephens,

CRPC™

Registered Wealth Management Client Associate

415.676.2519

Phillip A. Zayas

Wealth Management Client Associate

415.676.2569

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.

Bren A Johnson

Division Structured Credit Executive

Bank of America, N.A.

Darren E Suiter

Senior Wealth Management Lending Officer

NMLS #982132

Bank of America, N.A.

Sara Dorosti

Wealth Strategist

Bank of America, N.A.

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About Merrill

Bringing fresh perspectives to your financial life
The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.