Michael Cerniga
Financial Advisor
NMLS #2426040
2815 Townsgate Road
Suite 300
Westlake Village CA 91361
(805) 381.1476
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My goal is to make sure that my clients are able to confidently pursue all of their financial goals whether that's purchasing their first home, building their business, or enjoying their retirement to the fullest.
Profile

Managing your wealth begins with a deep understanding of your full financial picture. Based on what matters most to you, I can help create a strategy as flexible as today’s changing market conditions, and I can provide access to the investment insights of Merrill and the banking convenience and lending solutions of Bank of America. I will work to help you pursue your goals through personalized wealth management strategies.

About Me
Focus On – Corporate Executives

For corporate executives, I offer guidance for diversification* of concentrated stock positions. Business owners receive the assistance needed to build company benefit plans and access to Bank of America for help in addressing cash flow, lending needs and other bank-related needs. Those corporate executives nearing retirement are provided with insight from which to consider inflation, health care costs and other factors to help you pursue your desired lifestyle. The team is available to talk with you and explore potential strategies available to you.*Diversification does not ensure a profit or protect against loss in declining markets. This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

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.
Kris Briones
Wealth Management Banking Specialist
Merrill
Megan Miller
Associate Investment Advisory Specialist
Merrill
Christopher Logan
Investment Solutions Group Portfolio Analyst
Bank of America, N.A.
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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Michael Cerniga is registered to do business in AZ, CA, FL, IA, ID, NC, NH, NV, OK, OR, SC, TX, WA.