As careers, businesses and families evolve, financial decisions that once stood alone often become increasingly connected. I work with established professionals, business owners, retirees and families who want greater clarity around what deserves attention, how their decisions relate to one another and what should happen next. My role is to help clients clarify what matters, identify which decisions require attention and establish an organized sequence for what happens next.

Brad Chi

Financial Advisor

NMLS #1904866

800 E Colorado Blvd

Pasadena CA 91101

(626) 304.1551

Learn more about an advisor's background on

ProfileAbout MeInsightsAbout Merrill

Profile

Brad Chi is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management in Pasadena, California.

Brad works with established professionals, business owners, retirees and families whose financial lives have become more complicated over time. Conversations often begin during a career transition, as retirement approaches, after assets have accumulated across several accounts, or when personal, family and business priorities begin to overlap.

His role is to help clients clarify what matters, identify which decisions require attention and establish an organized sequence for what happens next.

Brad begins by understanding each client’s priorities, accounts, concerns and important decisions. From there, he helps organize the broader financial picture, evaluates potential recommendations and establishes priorities for implementation and ongoing review.

When decisions overlap, Brad works alongside clients’ tax, legal and other professional advisors. He can also coordinate with appropriate specialists across Merrill and Bank of America when additional resources may be relevant.

Brad earned his degree from the University of Arizona and holds the Accredited Wealth Management Advisor™ and Chartered Retirement Planning Counselor™ designations.

About Me

Who I Work With

I work with established professionals, business owners, retirees and families whose financial lives have become more complicated over time.

Clients often have retirement assets, investment accounts, concentrated positions, cash flow needs and family priorities that developed at different times. These individual areas may each be receiving attention without always being considered as one connected financial picture.

Conversations often begin during a career change, as retirement approaches, after assets have accumulated across several accounts, or when an important decision creates a reason to step back and review the broader picture.

I am most helpful to clients who value an organized process, ongoing communication and thoughtful guidance as their circumstances evolve.

How I Think About Financial Decisions

Most clients do not need more financial information. They need a clear way to determine what matters now, what can wait and how the different decisions connect. I believe thoughtful financial decision making begins with understanding the client's priorities and the tradeoffs involved. From there, the objective is to identify which matters require attention, establish an organized sequence and coordinate the people and resources needed to move forward. Not every issue requires immediate action. Part of my role is helping clients distinguish between decisions that should be addressed now, decisions that belong in the coming year and matters that should continue to be monitored. This process helps keep important decisions grounded in the client's broader priorities rather than short term market developments or outside pressure.

My Advisory Approach

My process begins with an introductory conversation focused on understanding the client's priorities, current accounts, concerns and important decisions. If there appears to be a mutual fit, I conduct a more detailed discovery process and prepare an analysis of the client's financial picture. We then discuss potential recommendations, identify which decisions require attention and establish priorities for the next steps. The process is organized around four objectives: 1. Clarify what matters. 2. Organize the relevant financial information. 3. Prioritize the decisions requiring attention. 4. Coordinate the next steps and appropriate professionals. I remain personally involved throughout the relationship, including discovery, analysis, implementation, ongoing reviews and coordination with other professionals.

Areas of Focus

My work often involves helping clients evaluate decisions related to: * Career transitions and former employer retirement plans * Retirement planning and income considerations * Investment strategy and concentrated stock positions * Cash flow, liquidity and education funding priorities * Personal financial decisions connected to business ownership * Coordination with clients' tax, legal and other professional advisors These areas are not considered in isolation. The objective is to understand how each decision relates to the client's other priorities and determine an organized sequence for addressing them.

Resources and Perspective

The resources of Merrill and Bank of America can provide clients with access to investment insights, banking services, lending capabilities and specialized professionals. Institutional resources are tools, not the client experience. My role is to understand what the client is trying to address, determine which resources may be relevant and coordinate their use within the client's broader financial priorities. When decisions involve tax, legal or other professional considerations, I work alongside the client's existing advisors so each professional can contribute within their respective area.

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.

Cindy Chau

Wealth Management Banking Specialist

Merrill

Lourdes A Trillo

Senior Wealth Management Lending Officer

NMLS #637482

Bank of America, N.A.

Insights

Market Briefs

Ways to replace your salary in retirement

Charitable giving unlocked for business owners under the OBBBA

Let’s Talk Alts: Why investing in modern digital infrastructure matters

Planning for college: Investment accounts to help you pay for education

HSAs explained: The top benefits of health savings accounts

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.