As a Senior Financial Advisor with Merrill Lynch Wealth Management, Stephen Cote provides proactive financial advice and guidance to manage clients goals with a focus on retirement planning, investment selection and cash management. Stephen is dedicated to a high level of client service with an emphasis on helping affluent individuals, families and business owners to manage, preserve and grow their wealth. He spent over three years with Banc of America Investment Services, Inc. in a variety of client centric roles and then moved on to a firm which specialized in municipal bonds at Wulff, Hansen & Co. prior to joining Merrill in 2010. He brought value to clients by optimizing tax efficient strategies. He holds the Chartered Retirement Planning Counselor designation and focuses on the pre and post retirement needs of individuals. Stephen lives in the Marina district in San Francisco, CA and enjoys playing golf, volleyball and running in his spare time. *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. *CRPC and Chartered Retirement Planning Counselor are registered service marks of the College for Financial Planning.