David's journey in financial services began as a Senior Associate at KPMG Financial Advisory 17 years ago in 2007. Prior to joining Merrill, he served as a Vice President Private Client Advisor at J.P. Morgan Chase. As a Vice President Financial Advisor at Merrill Lynch Wealth Management, David primarily focuses on developing customized wealth management plans and personalized investment management strategies for individuals, families, and businesses. He achieves this by thoroughly understanding their short and long-term financial objectives.

David creates a customized wealth management plan and builds a personalized investing strategy for each client. Leveraging Merrill Lynch Wealth Management’s comprehensive suite of investing and banking solutions, along with insights from BofA Global Research and Merrill resources, David tailors advice to address each client’s unique concerns, goals, values, and preferences. His mission is to help clients grow and preserve their wealth effectively.

David provides personalized advice, drawing from Merrill’s investment insights and Bank of America’s banking services and lending solutions. His experience spans investments, portfolio management, retirement planning, life insurance, annuities, tax minimization strategies, and business solutions. He also supports lending matters, including Margin Loan, Mortgage Loan, Home Equity Loan, Commercial Loan Financing (NMLS ID 1822379).

Whether it’s a phone call, a ZOOM meeting, or an in-person discussion at Merrill offices, Bank of America Financial Centers or branches, David provides convenient options to connect and help ensure productive interactions with his clients.

David holds a master’s degree in accounting and taxation from University of Hartford and a professional certificate in Finance from New York University. He is a licensed securities broker and investment advisor (holds Series 7 and 66 FINRA registrations). He is also licensed in Life, Annuity, Long Term Care and Health Insurance.

Having resided in Connecticut and Massachusetts with his wife for over 28 years, David is fluent in Mandarin. In his leisure time he enjoys traveling, film making, and producing electronic music.

*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.

*Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. 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. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

*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.

Merrill Lynch Wealth Management is here to help you achieve your goals. It is more than looking at markets and returns. It’s about what’s important to you — reaching your goals and managing risks. Whether you’re welcoming a new addition to the family, buying a new home, sending children to college, planning for retirement or leaving a legacy, we will work closely with you to help you define your priorities and connect you to the right solutions.

Choose from a wide range of financial capabilities, including but not limited to:

Advice and Guidance* Goals-based wealth management process1* Education funding strategies1* Extensive global research1* Tax minimization strategies1* Investment personality assessment1Retirement* Managing income in retirement1* Managing 401(k) during job transition1* Planning for retirement1* Health care expense planning1* Retirement income planning1Access to Banking* Everyday cash management2* Savings products2Lending* Credit cards2* Home financing2* Home equity financing2* Securities-based lending2* Customized lending2Investments* Alternative investments1* Concentrated stock services1* Equity and fixed-income strategies1* Managed account programs1* Market-linked investments1* Unit investment trusts1* Closed-end funds1Estate Guidance Services* Charitable giving2* Insurance and annuities3* Private family foundations2* Trusts2* Donor-advised funds2Solutions for Business* Liquidity and cash management2* Commercial loan financing2* Retirement solutions1* Succession planning1Tracking Progress* Asset information and measurement1* Client review1* MyMerrill.com®1* Statements1

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.2 Banking, mortgage and home equity products are offered by Bank of America, N.A.3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

*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.

*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.