Paul Sanit

Who We Are

Paul and his team, The HS Legacy Group, is a goals-based wealth management team dedicated to helping a select group of individuals, families, and business owners define and achieve what matters most. Our approach is centered on seven key life priorities: Family, Finances, Home, Health, Work, Leisure, and Giving.
Through a comprehensive and personalized planning process, we help clients navigate the complexities of wealth management by integrating investment management, retirement planning, business planning, liability management, and wealth transfer strategies into a cohesive financial plan.
To provide the highest level of service and attention, we intentionally limit the number of new client relationships we establish each year.

### Our Value Proposition

Your Financial Advocate
We serve as your trusted financial advocate, helping coordinate the many aspects of your financial life and supporting your overall financial well-being.
Our experience, resources, and personalized guidance help clients make informed financial decisions with greater confidence. When life events disrupt the status quo, we are there to help clients adapt, evaluate options, and move forward with clarity.
Comprehensive Financial Coordination
We help coordinate and provide guidance in a variety of areas, including:

* Investment management
* Liquidity and emergency funding needs
* Short- and long-term financial goals
* Retirement and cash flow planning
* Social Security optimization decisions
* Life and disability insurance considerations
* Debt and mortgage guidance
* Estate planning coordination and beneficiary reviews
* Tax reporting support for coordination with your tax professional

### Investment Oversight

Our investment oversight process helps clients:

* Better understand the risks within their investment portfolios
* Monitor household asset allocation, including assets held outside our firm
* Evaluate portfolio management and investment performance
* Manage liquidity needs during personal, professional, or market transitions
* Implement proactive portfolio adjustments and rebalancing strategies

We do not use a market-timing approach to investing. Instead, we utilize a disciplined investment process that combines strategic asset allocation with thoughtful tactical adjustments based on:

* Economic conditions and outlook
* Federal Reserve and central bank policy
* Market and asset-class valuations
* Government, corporate, and consumer balance sheet trends

### Ongoing Communication

Our commitment to clients includes:

* Direct access to experienced wealth management professionals
* Monthly account statements and regular portfolio reviews, conducted no less than semiannually
* Ongoing comprehensive financial assessments and personal financial "checkups"

### Meet the Team

Paul Sanit, CPFA®
Senior Vice President, Senior Financial Advisor
Paul Sanit is a Senior Vice President and Senior Financial Advisor with Merrill Wealth Management and brings more than 44 years of financial services experience to his clients.
Paul earned the Certified Plan Fiduciary Advisor® (CPFA®) designation through the National Association of Plan Advisors. As a qualified Portfolio Manager, he is able to construct and manage personalized investment strategies that may incorporate individual securities, Merrill model portfolios, and third-party investment managers. Through Merrill's Investment Advisory Program, Paul may manage investment strategies on a discretionary basis, allowing for timely portfolio decisions aligned with client objectives.
Paul began his career in 1981 and spent more than eight years with E.F. Hutton's Personal Financial Planning Division, where he advised many of the firm's most affluent clients. Over the course of his career, he has guided clients through multiple market cycles, economic environments, and significant life transitions. His greatest professional satisfaction comes from helping clients make informed decisions and supporting them throughout their family's financial journey. He holds a degree in Finance from Hofstra University.
Outside the office, Paul enjoys golf, cycling, fitness, and spending time with family and friends.
Kristina Klamer
Registered Wealth Management Client Associate
Kristina Klamer is a Registered Wealth Management Client Associate with Merrill and brings more than 26 years of experience across banking, lending, business solutions, and wealth planning.
A California native raised in Encinitas, Kristina is passionate about delivering exceptional client service and helping clients navigate important financial decisions with confidence. Her diverse industry background enables her to provide valuable support across a broad range of client needs.
In her free time, Kristina enjoys attending live concerts, exploring new destinations, and spending time with family and friends.
*The Wealth Management Lending Officer does not offer investment advice, nor make recommendations on investment products. *NMLS#637240 *Merrill Life Agency's California License Number 0522776