Labiak, Ficara & Associates

Merrill Lynch Wealth Management

5951 La Sendita Bldg A
Rancho Santa Fe, CA 92067
(858) 381.8988
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"We put clients’ priorities and goals at the center of our work. Our goal is to build long-term relationships that can give clients deep, steadfast support spanning generations." - Christopher Ficara and Lisa Pacheco
Labiak, Ficara & Associates
Merrill Lynch Wealth Management

At the Ficara Pacheco Group, our clients include working professionals, corporate executives, small business owners, and entrepreneurs. We help simplify their financial lives with strategies designed to preserve, manage, and grow wealth over time. This involves more than just choosing investments. It's about creating a strategy for your family’s financial future that aligns with your unique goals and objectives. We deliver the resources and capabilities of an industry leading firm to you through thoughtful, convenient and personalized service. Whether it is developing a strategy around concentrated stock positions, planning for retirement, accessing best in class investment managers or selling your business, we welcome the opportunity to discuss your family’s wealth with you.

Christopher Ficara
Senior Vice President, Wealth Management Advisor
Forbes "America's Top Next-Generation Wealth Advisors", 2018, 2020-2021
(Published annually July – Sept. Rankings based on data as of March 31 of current year.)
Forbes "Best-in-State Next Generation Wealth Advisors", 2019, 2022
(Published annually Aug – Sept. Rankings based on data as of March 31 of current year.)
Forbes "Best-in-State Wealth Advisors", 2022-2024
(Published annually Jan – April. Rankings based on data as of June 30 of prior year.)
Forbes "Top Next-Generation Wealth Advisors Best-in-State", 2023
(Published on August 8, 2023. Rankings based on data as of March 31, 2023.)
About Us
Our Approach

Our approach to wealth management is centered on you.

We work closely with you to gain a clear understanding of your current finances, future goals, and priorities. Combining a rigorous client assessment with advanced portfolio construction techniques, we develop a strategy and financial plan to help you meet these objectives. We continue to review and track our strategy over time, adjusting to changes as needed.

These strategies consider your risk tolerance, liquidity needs, time horizon with a focus on tax minimization. We utilize BofA Global Research and sophisticated modeling tools to assess various investment scenarios. These scenarios encompass planned events, such as retirement, diversifying concentrated stock positions or the sale of a business, and unplanned events like market volatility, changes in tax regulations, divorce or the unexpected loss or disability of a primary income earner.

With your permission, we collaborate closely with other trusted professionals, such as your accountant or estate planning attorney, to help ensure we achieve the best possible outcome for you and your family. We encourage open and candid communication, aiming to build long-term relationships that provide deep, steadfast support spanning generations.

*****Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Meet Our Team
Christopher Ficara,


Senior Vice President, Wealth Management Advisor
Lisa Pacheco,


Assistant Vice President, Wealth Management Advisor
Kristin Dornbusch
Assistant Vice President, Wealth Management Associate
Cody Alexander Meza
Officer, Wealth Management Client Associate
Allison Stahl
Officer, Wealth Management Client Associate
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.
Ali Sajady
Wealth Management Lending Officer
Bank of America, N.A.
NMLS #679562
Michael Lane
Wealth Management Banking Specialist
Merrill Lynch Logo
Jesse Maldonado
Senior Small Business Banker
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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