John Jacobi

Philosophy

I believe the most effective financial strategy is one that's built around *you*—your goals, your values, and your vision for the future. That's why our conversations begin not with numbers, but with what matters most to you. Whether you're planning for future healthcare costs, preparing to send a child to college, considering the sale of a business, or thinking about how to pass your wealth to the next generation, we start with a thoughtful plan. One that's designed to help you manage, grow, and preserve your wealth today—while also positioning you to make a lasting impact for years to come. Before joining Merrill in 2018, I was a client myself. I experienced firsthand the value of having a trusted advisor and a well\-crafted financial strategy. That perspective continues to shape how I work with clients today—through a genuine collaboration built on understanding, transparency, and trust. With access to the deep investment insights of Merrill and the banking solutions of Bank of America, I'll work closely with you to craft a personalized approach that helps address your financial needs and supports your long\-term aspirations.

Approach

**A Personalized Wealth Management Experience—Built on Insight and Empathy** At Merrill, I take a client\-first approach to wealth management—because I've been in your shoes. As both an advisor and a client, I understand the importance of having a financial strategy that reflects your values, your goals, and your life's unique journey. My experience working with business owners and individuals has taught me that no two investors are alike. That's why I focus on building personalized financial strategies that are grounded in real conversations, measurable goals, and ongoing collaboration. Together, we'll create a plan that evolves with you—because your life doesn't stand still, and your financial strategy shouldn't either. **Behavioral Finance Meets Real\-World Perspective** To help tailor your investment approach, I use Merrill's **Investment Personality Assessment**, a powerful tool rooted in behavioral finance. It helps us understand how you think and feel about investing—so we can align your portfolio with your mindset, risk tolerance, and long\-term objectives. This isn't just about numbers; it's about knowing what drives your decisions and building a strategy that supports your vision. **Your Goals. Your Strategy. Your Future.** As your life changes—whether you're growing a business, planning for retirement, or navigating new opportunities—your financial plan should adapt. I provide ongoing guidance, proactive adjustments, and access to Merrill's robust planning tools to help you stay on course. My goal is to help you feel confident in your financial future, every step of the way.

Capabilities

I provide a wide range of financial services designed to support both individuals and business owners in building, managing, and preserving wealth. My practice is rooted in personalized planning and backed by the extensive resources of Merrill and Bank of America. **For business owners**, I specialize in: * Designing and managing retirement plans, including 401(k), SEP, and SIMPLE IRAs * Succession planning and liquidity strategies * Integrating business and personal financial goals **For individuals and families**, I offer: * Comprehensive wealth management and investment strategies * Retirement income planning and distribution strategies * Risk management and insurance reviews **Through our broader platform**, I also provide access to: * Banking and lending solutions from Bank of America, including lines of credit and cash management * Trust and estate planning services from Bank of America in coordination with your legal and tax advisors * Digital tools and resources to help you stay informed and engaged Whether you're planning for retirement, managing a growing business, or looking to align your financial life with your long\-term goals, I'll help you create a strategy that's clear, actionable, and built to last

Our Focus

At the heart of my practice is a commitment to helping clients navigate the many dimensions of wealth management with clarity and confidence. Whether you're a business owner, professional, or retiree, I begin by understanding your unique goals and priorities—then build a strategy around them. Together, we explore seven key areas that often shape financial decision\-making: * **Health**: Planning for current and future healthcare expenses * **Home**: Buying, selling, remodeling, or investing in real estate * **Family**: Supporting loved ones through education, caregiving, or legacy planning * **Leisure**: Funding travel, hobbies, and meaningful experiences * **Giving**: Structuring charitable giving and philanthropic efforts * **Work**: Transitioning into retirement, selling a business, or starting a new venture * **Finance**: Coordinating all aspects of your financial life—from investments to banking I collaborate with your legal and tax professionals and leverage the full capabilities of Merrill and Bank of America to deliver integrated solutions. This includes access to retirement plan design for small businesses, personal wealth management, lending and banking services, and estate planning strategies. Whether you're focused on retirement planning, business succession, or building long\-term financial security, I provide the guidance and resources to help you move forward with purpose

Personalized planning

**Helping you create a personalized plan** At Merrill, we go beyond the traditional role of an advisor. * Your goals, concerns and attitude about investing are the foundation of your plan. * We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family. * We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Team and resources

**Giving you access to our teams and solutions** Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with: * Bank of America specialists, such as mortgage or trust professionals * Timely insights from BofA Global Research1 to help you stay informed and navigate ever\-changing markets * A [full suite](https://www.ml.com/solutions/all.html) of Merrill investing and Bank of America banking solutions ^1^~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](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition