Cristy Kaur, Cpfa® Email & Phone Number

My cultural and financial experiences are certainly diverse. Born in Zambia, educated in Great Britain and of Indian descent, I worked in institutional finance for 15 years before joining Merrill. Why make the move? I felt a strong desire to work directly with individuals and families and see the impact of my guidance.At Merrill, we help accomplished people accomplish more. These clients include senior-level technology and pharmaceutical executives, successful business owners, active and retired physicians and attorneys, and divorced and widowed women. Virtually all have been referred to me – which I believe speaks volumes about the work I do and the care I provide.With our my planning-based approach critical to understanding clients, I ask, "What brought you here? What's your experience with investing? Are you responsible for an elderly parent, grandchild, or your employees? What's your biggest financial concern? What would you like from us?"Many clients are corporate executives and business owners with personal assets linked too closely to the fortunes of their firms. With extensive knowledge of concentrated stock and the emotions that may come with it, I help clients strike a balance in building and preserving wealth, and also comply with SEC rules and their company's trading restrictions.I BELIEVE CLIENTS WOULD SAY:I am a straight shooter who gives them "the truth, good or bad" about whether they're doing the right things financially and what's realistic given their goals. I work very hard to keep clients disciplined, because it's in their best interest.I AM PROUD TO SERVE MY COMMUNITY:My husband and I serve take pride in giving back to our community. I serve on the board for the TAARA a charity that rescues & empowers sex-trafficking survivors to rebuild their lives while igniting a movement to prevent future victimization. My husband serves on the boards of Bonnie Brae (a NJ school and residential community for at-risk boys in crisis).

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  Senior Financial Advisor, First Vice President

  Merrill Lynch Wealth Management

  Sep 2015 - Present

  I have earned my stripes – and a growing circle of loyal clients – by providing a consistently high caliber of financial advice and guidance. Whether a client is expanding an enterprise, moving up in his or her company, or retiring and moving out of town, I help them visualize their full financial picture – from investments and insurance, liabilities, tax exposure and intergenerational wealth, to more complex issues related to business asset transfer and concentrated stock positions. From there, a multi-pronged strategy evolves that embraces a client's financial realities and personal preferences. Like the clients I serve, I am highly motivated. It is incumbent upon me to deliver tangible benefits and lasting value – beyond dollars and cents.