Ruth works closely with each family to help preserve and growth their assets, through proactive planning and a disciplined investment process. Her focus lies in customized portfolio construction with alternative investments, tax minimization strategies, wealth transfer strategies, and philanthropic solutions tailored for High Net Worth individuals. She believes that the best wealth advisor understands her clients' goals and needs beyond just finance.
Ruth serves as a gateway to the potential full balance sheet solutions available at Merrill and Bank of America banking services. Her team offers a wide range of services, including:
• Personal and Business Wealth Planning
• Corporate Cash Management
• Executive Compensation Planning
• Concentrated Stock
• Charitable Planning
• Custom Portfolio Management
• Custom Mortgage/Custom Lending
• Estate Planning Strategies
• Life Insurance and Annuity Strategies
• Defined Benefit & Profit Sharing Plans for Business Owners
• Planning for Closely Held Business Owners
• Intergenerational Wealth Transfer
Ruth is also a proud supporter of the Peking University Alumni Association North California and the Peking University Education Foundation. She places great importance on connecting individuals from diverse industries and making a meaningful impact in both her professional and personal life.
*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
*ChFC® and Chartered Financial Consultant® are the property of The American College, which reserves the sole rights to its use, and is used by permission.
*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
*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.
*Merrill Life Agency's California License Number 0522776
*NMLS#1938774
My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you'd like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.
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.
