John Calarco
John Calarco joined Merrill Lynch in 2013, bringing over 16 years of experience in asset management and investment strategy. As a Chartered Financial Consultant® (ChFC®) professional and Senior Financial Advisor, John works with a diverse range of clients—including corporate executives, business owners, retirees, and entrepreneurs—to develop personalized investment strategies that align with their financial goals and life priorities.
John places a strong emphasis on tax-efficient investing, helping clients thoughtfully manage unrealized gains, forced realized gains, and concentrated equity positions. Through strategies such as asset location, tax-loss harvesting, and portfolio rebalancing, he aims to reduce tax drag and enhance after-tax returns—always with a focus on long-term outcomes.
His practice spans investment management, retirement planning, small business strategies, college funding, trust and estate planning, and insurance solutions. John is committed to building lasting relationships through attentive service, transparency, and a process-driven approach that puts clients first.
Trust, fiduciary, and investment management services, including assets managed by the Specialty Asset Management Team,] are provided by Bank of America, N.A., Member FDIC, and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.
Bank of America Private Bank is a division of Bank of America, N.A.
My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you'd like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.
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.
