Robert A. Santos, CRPC^®, CPFA^™ - Vice President | Senior Financial Advisor | Senior Portfolio Advisor | Retirement Benefits Consultant

Since Robert joined Merrill 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 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 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, and a Life/Health Insurance License. He earned the designation Chartered Retirement Planning Counselor^TM from the College for Financial Planning, and the designation Certified Plan Fiduciary Advisor^® from the National Association of Plan Advisors.

Currently he serves on the UMASS Dartmouth Charlton Business School - Business Advisory Board, and is a member of the Bristol County Estate Planning Council.

Robert resides in Southeastern MA with his wife, Maryanne, and has two children, daughter - Arielle, and son - Julian.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.