Justin B. Lacey
,
Senior Vice President, Resident Director - Wealth Management Advisor
NMLS #1682203
520 Newport Center Dr
Newport Beach, CA 92660
949.721.7248
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I believe people are referred to me for the value I provide. By serving a select circle of clients, I can optimize the potential of their wealth and simplify what may be complex.
Profile

The son of college graduates, Justin witnessed his dad’s health problems upend his parents’ comfortable financial lives and visions of the future. An accountant at the time, Justin decided to change professions to one in which he could help people manage risk and prepare for likely (and unlikely) circumstances.

Today, Justin is a highly credentialed and successful advisor with an extensive and wide-ranging financial background. Before joining Merrill Lynch Wealth Management in 2017, he spent six years at UBS as a financial planning consultant and a financial advisor, at Deloitte as a tax auditor, and at Goldman Sachs as an analyst.

Each day (and many evenings), Justin caters to the myriad wealth management needs of accomplished clients who wish to accomplish more. His circle of clients includes executives, business owners, law partners, physicians and their families.

To gain a full appreciation of each client’s situation and ambitions, Justin utilizes a planning-based approach that is ongoing, rather than a one-time event. Asking questions, he looks to identify goals and holes in their financial pictures, “What’s the purpose of your wealth? What major expense is coming up – will you be using cash or financing? How do you handle debt? Who are you responsible for? And how are you prepared for the unexpected?”

Unbiased in his recommendations and unwavering in his commitment to serve their best interests, Justin guides clients like he would a family member. For executives, he crafts equity compensation strategies – advising, among other things, on when to sell stock options on a tax-efficient basis. For business owners, he constructs exit-planning strategies and advises on other important decisions. For all clients, Justin can coordinate and share documents with their CPAs and attorneys, and also offer access to Bank of America for residential, securities-based and commercial lending.

Justin finds his rigorous industry training allows him to bring clients an extra measure of knowledge and insight. He holds the designations of CERTIFIED FINANCIAL PLANNER, CFP® professional, Certified Public Accountant* (CPA®), Certified Private Wealth Advisor® (CPWA®), Accredited Wealth Management Advisor, AWMA, and Certified Exit Planning Advisor (CEPA®). 

When it comes to investments, Justin utilizes portfolio models from the firm’s Chief Investment Office and the expertise of selected outside managers. Building individual portfolios to reflect a client’s comfort with risk, need for liquidity, investment timeline and other factors, typical holdings may include stocks, bonds, ETFs, and alternative investments** (private equity and real estate, for example). 

Justin graduated Magna Cum Laude from the University of Southern California where he double-majored in Business Administration and Accounting.

A resident of Long Beach, Justin’s passions include playing basketball, struggling to improve his golf game, rooting for the USC Trojans, LA Lakers, Anaheim Angels and – for some inexplicable reason – the Miami Dolphins.
*Justin does not provide tax advice in his current role with Merrill.

**Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

***NMLS#1682203

****Merrill Life Agency's California License Number 0522776 

*****The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of BofA Corp. This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available.

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Welcome

As your Merrill advisor, I offer advice and guidance based on your goals and priorities -- for yourself and your family. Our approach to financial planning places you -- not the market -- at the center of our focus. I can help you understand the pros and cons of every potential decision, and help you maintain discipline so you can pursue your most important goals. As your needs or market conditions change, I will continue to collaborate with you and help you organize your financial life so that we can agree upon adjustments to your plan, as needed.

Meet Our Professional Staff
Garrett Alan Prins
Wealth Management Client Associate
949.721.6588
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.
Samir Patel
Wealth Management Banking Specialist
Sara Burns
Wealth Strategies Advisor
Daniel Orozco
Wealth Management Lending Officer
NMLS #1200302
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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Accredited Wealth Management Advisor™, AWMA™, and the AWMA™ logo certification marks or registered certification marks of The College for Financial Planning Institutes Corp. in the United States.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and the CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CPWA® and Certified Private Wealth Advisor®. Use of CPWA®, and/or Certified Private Wealth Advisor® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for wealth advisors.
Justin Lacey is registered to do business in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY.