Robert A. Santos, CRPC™| CPFA® - First Vice President - Wealth Management | Senior Financial Advisor | Senior Portfolio Advisor Retirement Benefits Consultant | Certified Plan Fiduciary Advisor
Since Robert joined Merrill Lynch Wealth Management in 2005, he has been advising clients on wealth accumulation, wealth preservation and legacy transfer by utilizing an individually customized goals-based wealth management process. This process includes access to wealth analysis, risk-based portfolio construction, liability management, tax minimization, life insurance analysis, and asset preservation with a specific emphasis on helping a client actualize their long-term financial objectives.
Robert incorporates a “holistic” approach by working closely with his client’s other trusted advisors, attorney and CPA, in order to address their tax, trust, philanthropic and estate planning issues – including wealth transference. "As a Retirement Benefits Consultant he provides access to Fiduciary service and provides recommendations to plan sponsors on company 401K Plans, Defined Benefit Plans and executive deferred compensation plans." He also provides counsel in areas of cash management, financing, risk management and business succession planning.
Robert graduated from Cambridge College, Cambridge, MA with a Master’s Degree in 1992, and holds FINRA Series 7 and Series 66 Registrations, Life/Health Insurance License and Nationwide Mortgage Licensing System (NMLS) ID: 522966. He earned the designation Chartered Retirement Planning Counselor™ from the College for Financial Planning, and the designation Certified Plan Fiduciary Advisor from the National Association of Plan Advisors.
*Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo are certification marks or registered certification marks of The College for Financial Planning Institutes Corp. in the United States.
*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.
Currently he serves on the UMASS Dartmouth Charlton Business School - Business Advisory Board.
Robert resides in Southeastern MA with his wife, Maryanne, and has two children, daughter - Arielle, and son - Julian.
Communication is instrumental to managing life's challenges. That's why I work to engage you and your family in the financial decision-making process. Communicating openly with family members on the sometimes-difficult subject of wealth can be a challenge. I can help facilitate these discussions and offer personalized financial strategies designed to educate the younger generation about how assets may be invested.
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.
