Carmel, CA Via Nona Marie Office
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Merrill
Institution
Firm-wide stats for Merrill
About
Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program. The firm offers model‑based and discretionary strategies constructed by internal Chief Investment Office (CIO) teams and third‑party style managers and implements trading, account administration and custody support for individuals, high‑net‑worth clients, pension and profit‑sharing plans, corporations and charitable organizations.
Portfolio implementation varies by Strategy: some are model‑based where MAA implements CIO or style manager models, while others authorize third‑party Discretionary Managers to execute trades directly; the CIO also uses strategic and tactical asset allocation and offers “tax aware” versions of related strategies for higher tax‑sensitivity investors. Cash allocations are typically swept through the Bank’s Cash Sweep Program or invested in money market alternatives, and clients can request reasonable investment restrictions (which MAA may accept or decline and may have limited effect where Funds are used).
Several features in the brochure distinguish Merrill from many peers: as part of the Bank of America group it has affiliates that operate in swaps and derivatives markets and it has disclosed planned arrangements to receive “Support Fees” and to offer optional Data Analytics to third‑party firms beginning January 1, 2027 (the brochure notes Merrill will not receive Support Fees for accounts enrolled in the SPS Program). The firm also discloses multiple SEC administrative orders and related enforcement matters (including a 2025 order with a $25 million civil penalty related to cash sweep disclosures), and the Program materials do not present the SPS service as a source of standalone financial planning.
Based on Merrill
Location
3775 Via Nona Marie, Pbig Carmel Private Wealth Ctr
Carmel CA 93922
Advisors at this office
2
Advisors at this office
Sandra D
Series 63, Series 65
Carmel, CA
Merrill
Sandra Dee is a financial advisor at Merrill with 36 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2018, following five years at UBS Financial Services Inc. Outside of her advisory role, she works as a group fitness instructor at Gold's Gym and In Shape Health Clubs. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.
Timothy C
Series 63, Series 65
Carmel, CA
Merrill
Timothy Cass is a Private Wealth Advisor with Merrill Private Wealth Management. He specializes in providing ESOP and ESPP services, along with personal assistance to CEOs and CFOs, primarily within the healthcare industry. With 36 years of experience in the financial services sector, Timothy began his career at Morgan Stanley Dean Witter, where he worked for 20 years before joining Merrill in 2006. His expertise includes managing personal investments for corporate executives and assisting with filing and stock clearance needs. He holds a Series 7 and 66 FINRA registration and is designated as a Personal Investment Advisor (PIA). Timothy earned his High School Diploma/GED from Irvine University. Outside of his professional role, Timothy enjoys biking, golfing, running, and spending time with his family.
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