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Schwartzel + Sullivan Wealth Management 

Professional Profile

Schwartzel + Sullivan Wealth Management Group

WHO ARE WE?

As our name implies, we have added ourselves together to create a team with over 100 years of investment experience designed to help you make sense of a complex financial life. Because most people’s money and lives are interwoven, having professionals work with you is essential. We focus our efforts on helping clients prepare for their current and future financial needs, while working with them to create a strategy for pursuing success.

HOW ARE WE DIFFERENT?

As a client, each member of our eight-person team will become fully familiar with you and your goals. Your Financial Advisor will be your main point of contact, but you will benefit from the collaborative efforts of the entire team. We will all be offering insights into how we can help you accomplish your goals. Whenever you contact us, any one of our professionals will be able to answer your questions.

We believe that all financial facets of a client’s life must work together to achieve success. While we focus on managing your portfolio’s investments, we will also work with your team of professionals (tax planners, estate planners and bankers) to make sure everything is working in unison towards your goals. Whether it is attending critical meetings in person with your team or participating on a conference call, we will be there for you. Our professional designations and licenses provide the additional knowledge that we believe is necessary to make sense of today’s more complex world of wealth management.

Whenever you have a financial event that impacts your life, we want you to rely on us. Some may call this approach old fashioned; we call it service, and it’s the backbone of how we form every client relationship.

WHAT CAN YOU EXPECT FROM US?

We will get to know you. Every client has unique needs that might include expanding a business, creating a retirement plan, buying a larger home, or funding a college education.

When beginning our relationship, we work with you to identify those goals with an emphasis on balancing risk and rewards and the tradeoffs between them. As your life progresses, we will analyze your retirement plan and how to best take care of you as you age. In later years, we will discuss if you wish to leave a legacy for family, friends or an organization. In many cases, we have worked with the heirs of our clients and in some households across three generations. Whichever financial goals you need to address, we can help strategize and guide you.

Advising and guiding you on your financial life is the hallmark of what we do. Drawing on our 100 years of knowledge and experience, we work to create risk-appropriate strategies that reflect your specific time horizon and financial objectives. As the markets and your life evolve, your wealth management strategies evolve as well. From birth through retirement and beyond, we can help you find meaning in your money, so you enjoy your financial life today.

Come meet with us and discover what we can do for you.

MEET THE TEAM

Denise Schwartzel
Senior Vice President
Wealth Management Advisor

Denise left a successful fashion industry career to become a financial advisor in 1988. She wanted to not only assist clients in making important financial decisions, but to also elevate interest in their own portfolios through education and clear explanations behind the “whys” of her recommendations. With an emphasis on fixed income, she is skilled at creating tax-minimization strategies.

Denise, her husband, Gerry, and their two Maltese have lived in Carmel, CA since 1999. They enjoy frequent visits with their four children and nine grandchildren. She and her husband are members at Tehama Golf Club in Carmel.

Gerry Schwartzel
Senior Vice President
Wealth Management Advisor

Gerry became a Financial Advisor in 1985 and brings an in-depth understanding of individual equity selection as part of a long-term growth strategy. He is proficient at helping clients identify income-generating opportunities and in analyzing market trends. Gerry graduated with a B.S in Management from the U.S. Air Force Academy, earned an M.S. from the University of Southern California, and retired as a Lt. Col. from the military. He enjoys playing golf and flying for the Deputy Sheriffs Aero Squadron.

Kay F. Sullivan, CFP®, CRPC®, CAP®
First Vice President—Wealth Management
Wealth Management Advisor

Kay left her position as Director of a Fortune 50 company in 2002 and joined Merrill Lynch to serve clients in a more personal manner. In partnership with her husband, Kay now creates multifaceted, multi-layered strategies as part of our eight-person team. She graduated from the University of Illinois with a B. S. in Business Administration. Kay is a CFP® Certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. She also holds the Chartered Retirement Planning CounselorSM and Chartered Advisor in Philanthropy® designations. Kay is currently a board member of the International Anti-Poaching Foundation and a committee member on the Women’s Fund of Community Foundation for Monterey County as well as having chaired several non-profit organizations.

Terry Sullivan
Vice President
Financial Advisor

Terry has more than 40 years of industry experience, with over 30 years served at Merrill Lynch in the Carmel, CA. office. He enjoys helping clients ascertain their ideal lifestyles and working with them to implement the appropriate financial strategies. Terry focuses on retirement income, cash-flow strategies, insurance, annuities, and asset and liability analysis. He also earned a B.S. in Business from Central Michigan University. Terry and Kay enjoy adventure travel.

Ryan McCormick, CDFA®
Vice President
Senior Financial Advisor

Ryan is a 2002 graduate of San Francisco State University, with a B.S. in Business Finance. In addition, he holds the Certified Divorce Financial Analyst® designation. Ryan currently works with the Carmel Valley Rotary whom are dedicated to Service Above Self. He and his wife, Rosanna, live in Monterey. They are outdoor enthusiasts and enjoy all of the beauty that the peninsula has to offer.

David Refuerzo
Financial Advisor

With talent in quantitative analysis and process, David earned his B.S. degree in Chemical Engineering from Stanford University. Prior to joining Merrill Lynch in 2009, he worked as a Senior Engineering Manager in the Semiconductor industry for 15 years. David holds the Certified Special Needs Advisor designation, which is an Merrill Lynch self-study curriculum based on a variety of wealth management topics and a course exam. David serves as a Commissioner on the Carmel Forest and Beach Commission, and enjoys cycling and walking with his yoga-instructor wife and their dogs on the beach.

Whitney Ning
Registered Senior Client Associate

Whitney began her industry career in 1999 and joined Merrill Lynch in 2006. She has a B.A in History from Huzhong University in China and holds the Resident Insurance Producer license in the state of California. Whitney dedicates her efforts to overseeing the team’s operations and client accounts. She lives with her daughter, April, in Monterey.

Jessica Stewart
Registered Client Associate

Jessica has worked in the financial services industry since 2003 and joined Merrill Lynch in 2005. Jessica handles all administrative and operational issues with caring client service, and is also a certified Notary Public. She and her husband r

Client Commitment


David Refuerzo is registered to do business in:AZ, CA, CO, DC, FL, ID, IL, IN, MD, MN, NC, NJ, NM, NV, NY, OK, OR, SC, TN, TX, VA, WA, WI

Denise Schwartzel is registered to do business in:AZ, CA, CO, FL, HI, ID, IL, IN, MD, MN, NC, NJ, NM, NV, NY, OK, OR, SC, TN, TX, VA, WA, WI

Gerry Schwartzel is registered to do business in:AZ, CA, CO, FL, ID, IL, IN, MD, MN, NC, NJ, NM, NV, NY, OK, OR, SC, TN, TX, VA, WA, WI

Kay F. Sullivan is registered to do business in:AZ, CA, CO, DC, FL, ID, IL, IN, MD, MN, NC, NJ, NM, NV, NY, OK, OR, SC, TN, TX, VA, WA, WI

Ryan McCormick is registered to do business in:AZ, CA, CO, CT, FL, ID, IL, IN, MD, MN, NC, NJ, NM, NV, NY, OK, OR, SC, TN, TX, VA, WA, WI

For questions regarding registration information please contact your Financial Advisor.
Schwartzel + Sullivan Wealth Management

Global Wealth Management

Merrill Lynch
3775 via nona marie
Suite 101
carmel, CA  93923 

Phone(831) 625-7060

Email:  

Professional Staff


Wealth Management Advisor

(831) 625-7022
 


Wealth Management Advisor

(831) 625-7082
 


Wealth Management Advisor

(831) 625-7060
 


Senior Financial Advisor

(831) 625-7056
 


Senior Financial Advisor

(831) 625-7041
 


Senior Financial Advisor

(831) 625-7034
 


Reg Senior Client Associate

(831) 625-7068
 


Registered Client Associate

(831) 625-7018
 

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