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MERRILL LYNCH BUILDING2301 S E MONTEREY RD
Learn more about an advisor’s background on FINRA’s BrokerCheck
Wealth Management Advisor
Senior Vice President-Wealth Management
Senior Vice President - Wealth Management
Reg Senior Client Associate
David Lum, CFP® CRPC® AAMS® has enjoyed a long and distinguished career in the financial services industry. He has been a financial advisor since 1988 and with Merrill Lynch since 1999. David has accomplished the prestigious CERTIFIED FINANCIAL PLANNERTM certification awarded by the Certified Financial Planner Board of Standards, Inc. and he is further credentialed with the Chartered Retirement Planning CounselorSM and the Accredited Asset Management SpecialistSM designations. He is honored to have been named by the firm to help represent Merrill Lynch at Barron's 2013 Top Advisors Diversity Conference held in Atlanta, GA and in January of 2014, he was appointed to the firm’s National Diversity Champions Network, a mentoring position for diverse financial advisors throughout the firm.David has a degree in finance from St. John's University in New York. Throughout his career he has worked for major Wall Street firms and today, at Merrill Lynch, the clients he works with are mainly affluent retirees and successful professionals. David is also a leading advocate of estate planning. Throughout his career, he has collaborated with clients' legal and accounting professionals to assist in the development of efficient estate succession strategies designed to minimize the impact of estate taxes and to facilitate control.Originally from New York, he has been a Florida resident since 1987 and lives in Palm City, Florida with his wife and two children. He is active in the community having been on the boards of the local chapters of Big Brothers Big Sisters, The Salvation Army and the Martin County Chapter of the American Red Cross. David has also served on the board of the First Tee of The Treasure Coast, a youth development organization that teaches core values through the sport of golf.
Michael (Mike) Piazza joins our team after spending the past seven years as a professional baseball player with both the Los Angeles Angels of Anaheim and Colorado Rockies organizations. During his downtime as a ballplayer, Mike was able to spend considerable time as an intern at Merrill Lynch beginning in 2010. He obtained his Bachelor’s Degree in accounting from The Florida Institute of Technology. An avid golfer, he resides in Port Saint Lucie with his wife Melissa and daughter Macy.Sandra Stiger, a lifelong Martin County resident and Florida native, graduated Florida Atlantic University with a Bachelor’s Degree in International Business. She also earned the Chartered Retirement Planning CounselorSM designation. She began her career with Merrill Lynch in 1996, where she has had various roles and responsibilities, and now as a Registered Senior Client Associate, is a vital part of the Lum Wealth Management Group. She has been involved in many local non-profit organizations in the community, including coaching Pop Warner Cheerleading for several years. Residing in Palm City, she and her husband Billy have two daughters, Dylan and Morgan.*Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their professional advisors. *Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. *Chartered Retirement Planning CounselorSM and CRPC® are registered service marks of the College for Financial Planning. *AAMS® and Accredited Asset Management SpecialistSM are registered service marks of the College for Financial Planning.
David Lum is registered to do business in : AL, CA, CO, CT, DE, FL, GA, IL, KS, KY, MA, MD, MI, MO, NC, NE, NH, NJ, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA
Michael (Mike) Piazza is registered to do business in : AL, CA, CO, CT, DE, FL, GA, IL, KS, KY, MA, MD, MI, MO, NC, NE, NH, NJ, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA
Privacy & Security
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Investment products, insurance and annuity products:
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Merrill Lynch is the marketing name for Merrill Lynch Wealth Management, and Merrill Edge®, both of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"). Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.
Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
MLPF&S and U.S. Trust make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest.