Sally Cai

Sally Cai, CFP®, CRPC™, Senior Vice President, Senior Financial Advisor is devoted to servicing the needs of affluent families and businesses. She has experience in the Financial Services industry since 1997. She is a CERTIFIED FINANCIAL PLANNER® professional, a certification awarded by the Certified Financial Planner Board of Standards, Inc. She has also earned the Chartered Retirement Planning Counselor™ designation.

Sally focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client’s needs and helping to ensure every strategy is grounded in understanding what each client wants to achieve. Her access to the investment insights of Merrill Lynch Wealth Management and banking convenience of Bank of America helps address the various aspects of clients’ financial lives. Sally is driven by her passion for delivering excellent service and helping clients pursue their goals. Sally’s wealth management approach is specifically designed to address the needs of affluent families and small to mid-sized companies through employing an objective and systematic process in offering effective financial strategies. Anchored by a needs assessment process, she commits her efforts in providing clients with sound advice on creating long term financial goals, developing an asset allocation policy, strategically customizing and implementing investment solutions based upon the clients risk tolerance, time horizon, liquidity needs, overall investment goals and the costs associated with the recommendation, and reviewing performance regularly and proactively. Sally’s services and core principles are aligned with the interests of her clients to deliver disciplined strategies in all market cycles.

Sally graduated from Lubins School of Business summa cum laude in Finance and Management Information Systems. She follows the deep-seated Merrill tradition of participating in the communities she serves. This drives her interest in spending time volunteering with organizations in the community.

Named to the Forbes “Best-in-State Wealth Advisors” list, 2025.
(*Published on April 8, 2025. Rankings based on data as of June 30, 2024.)

Named to the Forbes “America’s Top Women Wealth Advisors Best-in-State” list in 2022-2025.
(*Published annually in February. Rankings based on data as of Sept 30 of prior year.)

Named to the Barron’s “Top 250 Private Wealth Management Teams” list, 2025, 2024.
(*Published annually in May. Rankings based on data as of December 31 of prior year.)

Named to the Forbes "America’s Top Wealth Management Teams High Net Worth" list, 2022-2025 as a partner of the Shalhoup Group. (*Published annually in November. Rankings based on data as of March 31 the same year.)

Named to the Forbes “Best-in-State Wealth Management Teams” list, 2023- 2025 as a partner of The Shalhoup Group. (*Published annually in January. Rankings based on data as of March 31 of prior year.)

Named to the Forbes “America’s Top Women Wealth Advisors” list in 2021.
(*Published on March 24, 2021. Rankings based on data as of Sept 30, 2020.)

Named to the Working Mother/SHOOK Research’s “Top Wealth Advisor Moms” list in 2021 and 2020
(*Published annually Sept – Oct. Rankings based on data as of Mar 31 of current year.)

*Asset allocation does not ensure profit or protect against loss in declining markets.
*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.
* Published annually, in April, Rankings based on data as of June 30 of prior year.*
Forbes "Best-in-State Wealth Advisors" list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). Shook's rankings do not reflect any client experience, endorse any advisor , indicate future performance and are available for client evaluation only. Compensation was not received from any Advisors for the study. Details available at www.SHOOKresearch.com.
*Published annually in February. Rankings based on data as of Sept 30 of prior year.Forbes “Top Women Wealth Advisors Best-in-State” list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and available for investor help in evaluating the right financial advisor and should not be considered an endorsement of the advisor. Compensation was not received from anyone for the study. Past performance does not guarantee future results. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.
*As member of the Shalhoup Group: Published annually in May. Years pre-dating 2024, published as Barron's "Top 100 Private Wealth Management Teams" list annually March - April. Rankings based on data as of December 31 of prior year. Barron’s “Top 250 Private Wealth Management Teams” list. Rankings are based on the opinions of Barron’s which include rankings that specialize in serving individuals and families. Rankings include team size and shape, regulatory records and credentials of their members and resources available to them. Rankings include minimum of seven years financial services experience and currently at their firm one year minimum. Qualitative and quantitative calculations include client assets, return on assets, client satisfaction/retention, compliance history and community involvement plus other considerations. Barron’s does not receive compensation from anyone for rankings and are not considered a guarantee of any future investment success and should not be considered an endorsement. Barron’s is a trademark of Dow Jones & Company, Inc. All rights reserved.
*As member of the Shalhoup Group: Published annually November. Rankings based on data as of September 30 of current year. Forbes “America’s Top Wealth Management Teams High Net Worth” list. Opinions provided by SHOOK Research, LLC and is based on in-person, virtual and telephone due-diligence meetings and a ranking algorithm that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion because client objectives and risk tolerance vary). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and available for investor help in evaluating the right financial advisor and not an endorsement of the advisor. Compensation was not received from anyone for the rankings study. Past performance does not guarantee future results. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.
*As member of the Shalhoup Group: Published annually in January. Rankings based on data as of March 31 of prior year.Forbes “Best-in-State Wealth Management Teams” list. Opinions provided by SHOOK Research, LLC and is based on in-person, virtual and telephone due-diligence meetings and a ranking algorithm that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion because client objectives and risk tolerance vary). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and available for investor help in evaluating the right financial advisor and not an endorsement of the advisor. Compensation was not received from anyone for the rankings study. Past performance does not guarantee future results. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.
*Published on March 24, 2021. Rankings based on data as of Sept 30, 2020.2021 Forbes “America’s Top Women Wealth Advisors” list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and available for investor help in evaluating the right financial advisor and should not be considered an endorsement of the advisor. Compensation was not received from anyone for the study. Past performance does not guarantee future results. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.
*Published annually Sept - Oct. Rankings based on data as of Mar 31 of current year. Working Mother/SHOOK Research’s “Top Wealth Advisor Moms” list. Opinions provided by SHOOK® Research, LLC considered women advisors with children living at home under 21 years of age and is based on telephone and in-person interviews and surveys: service models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and do not guarantee investment success or higher level of performance results and not an endorsement of the advisor and should not be considered an endorsement of the advisor. Compensation was not received from anyone for the study. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.