Chuck Terrazas
Senior Vice President, Senior Financial Advisor
NMLS #558483
Two Belvedere Place
Mill Valley, CA 94941
415.289.8848
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I am a senior member of Osborne, 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 120+ years of combined wealth management experience and the global resources of Merrill.
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", 2022-2024
(Published annually Jan – April. Rankings based on data as of June 30 of prior year.)
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About Me
Welcome

Distinguished by years of industry recognition and client loyalty, Osborne, Reilly, Terrazas and Associates employs a disciplined and sophisticated investment approach, strengthened by a "white glove" client service model, to help enhance client wealth over the long term. "We build portfolios around each client's personal preferences and aspirations," explains Dan Osborne. "Our investment discipline focuses on managing risk in a manner that is designed to provide clients with desired levels of current income and capital appreciation over the long term while keeping tax exposure to a minimum."

Given clients' long term wealth accumulation, many have a conservative mindset and want their assets managed in a similar fashion. "Using our own proprietary investment models along with the full investment resources of Merrill and banking convenience of Bank of America, we strive to address both the immediate and long term objectives of our clients and their families," explains Sean Reilly. To help align strategies for tax minimization, wealth transfer and philanthropy, the team facilitates meetings with clients' attorneys and accountants and provides regular updates and reporting.

Call today for a comprehensive review of your financial picture.

Meet Our Professional Staff
Dan Osborne
Managing Director, Senior Consultant
415.676.2602
Sean Reilly
Managing Director, Senior Financial Advisor
415.289.8815
Jennifer Krone
Vice President, Business Manager
415.289.8819
Markus Stephens
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.
Danielle N Jenne
Wealth Management Lending Officer
Bank of America, N.A.
NMLS #855791
Paul Stauffer
Wealth Strategies Advisor
Bank of America, N.A.
Bren A Johnson
Division Structured Credit Executive
Bank of America, N.A.
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.

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Charles Terrazas is registered to do business in AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, LA, MA, MD, ME, MI, MN, MT, NC, NJ, NM, NV, NY, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA.