Carlos Aleman
Since joining Merrill in March 2022, I’ve been dedicated to helping clients navigate the complexities of wealth management and retirement planning with confidence and clarity. My background began in the technology sector at Dell Technologies, where I worked closely with diverse professionals—from system architects and data center administrators to directors, executives, and the c-suite. These experiences taught me the importance of listening, understanding unique priorities, and crafting tailored, and forward-thinking solutions.
Today, I work with families, Big Tech professionals, and small business owners, guiding them through every stage of their financial journey—from wealth accumulation, proper asset allocation, and growth, to retirement and legacy planning. My areas of focus span retirement planning, wealth and risk management, estate strategies, tax-efficient investing, alternative investments, custom and securities-based lending, and business succession planning.
I believe financial planning is deeply personal. It’s not just about numbers—it’s about people, their goals, and their vision for the future. Ultimately, my mission is to provide transparent, candid guidance and personalized strategies that align with each client’s lifestyle and aspirations, so that you can fully enjoy life the way you want to.
Leveraging the combined resources of Merrill and Bank of America, I deliver a broad range of wealth management and banking solutions designed to help clients make confident, informed decisions. My focus is on serving exec professionals, business owners, and individuals with complex financial needs—providing strategies that are as forward-thinking as the people I work with.
Wealth & Retirement Planning
Your future deserves a plan that works as hard as you do. I help clients create retirement strategies that integrate income, investments, and tax considerations, including:
- Coordinated planning across IRAs, pensions, and brokerage accounts
- Strategies to maximize Social Security benefits
- Tax-aware withdrawal approaches
- Preparing for healthcare and long-term care costs
Investment Management & Portfolio Strategy
Managing wealth isn't just about growth—it's about balance and resilience. My approach includes:
- Building diversified portfolios across multiple asset classes
- Designing tax-efficient investment strategies
- Incorporating alternative investments for added flexibility
- Continuous risk assessment and performance oversight
Business Succession & Liquidity Planning
For entrepreneurs and business owners, transitions are pivotal moments. I provide guidance to help protect and unlock business value through:
- Exit planning and timing strategies
- Valuation support and access to specialized resources
- Capital solutions for growth or liquidity needs
- Structuring transactions to align with personal and financial goals
Custom Lending Solutions
Liquidity shouldn't come at the expense of your long-term strategy. I offer:
- Securities-based lending for flexibility without disrupting investments.
- Tailored credit solutions for major purchases or business expansion
- Access to Bank of America lending options, including mortgages, home equity lines of credit (HELOCs), and other personalized financing solutions.
Trust, Estate & Philanthropic Planning
Preserving wealth and values across generations requires foresight and expertise. I assist with:
- Designing and administering trusts
- Estate planning strategies for tax efficiency and legacy goals
- Charitable giving through foundations and trusts
My goal is simple: to help you navigate complexity with clarity and confidence—whether you're planning for retirement, scaling a business, or shaping a lasting legacy.
*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.
*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.
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.
