Kostival Sandoval Group

At The Kostival Sandoval Group, we cater to an impressive and growing circle of clients residing full-time and part-time in Florida and more than ten other states. Feeling like stakeholders in their lives and stewards of their wealth, we are as serious about our roles as clients are about their money.

Before our team joined Merrill in 2022, we cultivated trusted relationships with dozens of individuals and couples while working at JPMorgan Chase. Today, a new wave of clients has been referred to us. We believe that says more about our acumen and attention than we could ever say.

Who do we serve? Most clients are active and retired business owners whom we assist up to and through the sale of their enterprise and the retirement lifestyle they’ve worked hard to achieve. We also assist Spanish-speaking clients, members of the LGBTQ community, divorced and widowed spouses, and generations of families.

Working closely with both spouses and entire families, We utilize a goals-based, wealth management planning process with our clients. 

More than anything, listening and learning from clients is a hallmark of our approach. With an appreciation of their visions and values, our strategies embrace a client’s past, present and future ambitions. By recognizing family dynamics and desires, we bring clarity to clients and ourselves. Only then, can we craft customized strategies that help clients navigate rewarding journeys.

Experience tells us that “the ideal retirement” means something different to each client. That’s why we ask questions, “What’s important to you? What are you saving for? What financial task occupies too much time? What’s your greatest joy and greatest fear?”

When it comes to investments, we consider macro-economic conditions, interest rates, currencies and other factors – then utilize internal research to formulate each client’s portfolio with multiple asset classes that may include equities, bonds, exchange traded funds, annuities and alternative investments*.

Given our banking backgrounds, we focus on both sides of clients’ balance sheets – assets and liabilities. For residential and securities-based lending, we offer access to specialists at Bank of America. We work with our clients’ legal and tax professionals to implement tax minimization and estate planning strategies.

On a personal note, we feel privileged to share passions and interests with clients. On golf courses and tennis courts, at restaurants and wine tastings, we enjoy good times with client families and often act as a community resource. (Each of us has lived in the area for between ten and 35 years.)

Our clients’ achievements and values have led to financial and personal success. We are proud to help manage their wealth responsibly and in the most respectful manner


*Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

*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.

*Banking products and services provided by Bank of America, N.A.