Carolina Estes
Carolina Estes began her career in financial services in 2011 as a retirement plan sales consultant at the John Hancock Seaport headquarters in Boston, MA. In 2015, Carolina was offered a new role at John Hancock, taking her to New York City where she later joined JP Morgan Chase and worked there as a financial advisor. She joined the Merrill Rockefeller Center Market in 2021 and brings over 10 years of experience helping clients with goals based planning analysis, retirement planning, and creating individualized strategies to help meet short and long term needs. Carolina focuses on building meaningful, long-lasting relationships with frequent and friendly contact to help clients accomplish what is important to them and their families while also serving as a source of thought leadership to help them navigate economic and market cycles.
Carolina is committed to being a source of reason and can counsel you on these concerns from a knowledgeable and analytical position. Drawing on the investment insights of Merrill, and with access to comprehensive financial solutions that only Bank of America can offer, she can help you with virtually any financial situation you face. If you’re a business owner, Carolina can assist you in attracting and retaining employees by helping you build company benefit plans.
Carolina dual majored in Economics and Spanish, receiving her bachelor's degree from the University of Massachusetts, Amherst, where she graduated magna cum laude with awards from the Commonwealth College Honors Society as well as Phi Beta Kappa Society. She then went on to earn her MBA from Babson College in Wellesley, MA. She currently resides in Brooklyn Heights and is an avid Orange Theory fan and during this pandemic she has discovered a passion for camping and the outdoors, including trips to Yellowstone National Park and Great Smokey Mountains.
In conducting your financial affairs, it's not uncommon to have opened multiple investment, credit and banking accounts at a variety of financial institutions. However, weaving them together into the context of an overall financial plan can be difficult. One of Carolina's objectives is to help bring a planning discipline to your finances and investments and aligning them with your goals.Patient and easy to talk to, Carolina wants to learn about the needs of those you love, the priorities you have for your family and anything else that may be on your mind. These can be simple challenges, like the escalating cost of credit, or complex concerns that may need an innovative approach. These may include:* The impact of market trends, tax policy or election politics on your investment strategy** A health crisis in your family or the evolving needs of your children* Meeting the rising costs of housing, education and other household expenses* Accumulating capital and reserves to strike out on your own* The need to diversify or monetize company stock or other awards* Thematic, ESG or Sharia compliant investing*Carolina does not provide legal or tax advice in her role at Merrill*Impact investing and/or Environmental Social Governance (ESG) investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.
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.
