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1020 MARSH STSAN LUIS OBISPO,
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Wealth Management Advisor
Reg Senior Client Associate
The Millard & English Group at Merrill Lynch was founded with the goal of delivering the vast resources of one of the world's most prestigious wealth management firms with all of the intimacy and personal service of a boutique firm. By taking a more holistic approach to the wealth management process, we aim to assist a select group of clients with every aspect of their financial lives.Our Team consists of six experienced professionals who take a "hands on" approach to financial guidance. Our Team members are extremely knowledgeable in a wide range of financial disciplines, including: asset allocation and investment management, retirement plan design and implementation, divorce planning, and retirement income planning. We truly care about helping individuals, families, and businesses achieve financial stability and independence. Because of this, we do everything in our power to keep each client focused on where they want to go, advise them on how to get there, and continually remind them of the importance of maintaining a disciplined approach to achieving these goals.
DAVID CLIFFORD, Senior Consultant, Vice PresidentDavid has worked in the financial services industry since 1981. He holds a Bachelor of Arts degree from the University of Colorado. With a career that has seen many sides of the financial markets -- and both sides of the Country, David prides himself on assisting clients in seeing the bigger picture, recognizing patterns, adapting to change, and cutting through the noise.CHERIE MILLARD, CFP® Vice President, Wealth Management AdvisorCherie has worked in the financial services industry since 1983. She holds a Bachelor of Science degree in Accounting from California Polytechnic State University, Pomona and she attained her CPA license prior to her move to the financial service industry. Additionally, Cherie holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. Cherie brings intense attention to detail to client relationships. Her extensive knowledge base in the area of personal wealth management is invaluable in helping each client reach their goals.STEVE ENGLISH, CFP®, CDFA®, Vice President, Wealth Management AdvisorSteve has worked in the financial services industry since 2003. He achieved his Bachelor of Arts with Honors in Economics from the University of California, Davis. Additionally, Steve holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. Steve brings clients an extensive knowledge of personal wealth management as well as corporate retirement plan design and implementation. Recently, Steve earned the designation of a CERTIFIED DIVORCE FINANCIAL ANALYST® (CDFA®). Through this designation, he has found a passion for helping clients make positive long-term decisions before, during, and after the very difficult divorce process.MICHELE MUSE, Registered Senior Client AssociateMichele offers clients over 30 years of experience in the financial services industry. She achieved her Bachelor of Administration degree from the University of LaVerne. Michele brings an immense breadth of knowledge to every client in the areas of: account set-up, online access, asset transfer, and access to banking services through Bank of America, N.A.. Her goal is to give each client the diligence, competence, and professionalism that they need alongside of a level of service that is above and beyond their expectations.*Asset allocation does not ensure a profit or protect against loss in declining markets.*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 personal professional advisors.*Certified Divorce Financial Analyst® and CDFA® are trademarks of the Institute of Divorce Financial Analysts™.Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ in the U.S., which it awards to individuals who successfully complete a CFP Board's Initial and ongoing certification requirements.
Edward English is registered to do business in : AR, AZ, CA, CO, CT, FL, GA, ID, IL, MA, MN, NC, NV, OR, TX, UT, VA, WA, WI
Cheryl Millard, CFP® is registered to do business in : AR, AZ, CA, CO, CT, FL, GA, ID, IL, MA, MN, NC, NV, OR, TX, UT, VA, WA, WI
Ryan Sutherland is registered to do business in : AZ, CA, FL, HI, NV, OR, TX
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.
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.