The Sharma Group

Private Wealth Advisors
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We provide highly customized services supported by the broad capabilities of a global institution. Working with a limited number of wealthy clients, we are able to offer you and your family personalized attention for all aspects of your financial life, now and for future family members.

Meet the Team

Your team includes private wealth advisors with Merrill Lynch’s Private Banking and Investment Group as well as Financial Advisors from Merrill Lynch Wealth Management.  Together, they work to meet the specialized needs of individuals and families of wealth and to build relationships based on trust and personalized service.  Read more about our team.

Raj  Sharma

Raj Sharma

Managing Director

Private Wealth Advisor

617.946.8030
Christian T Kemp

Christian T Kemp

Senior Vice President

Private Wealth Advisor

617.946.8031
Paul R Garrido

Paul R Garrido

Senior Vice President

Senior Financial Advisor

617.946.4235
Amit  Chandra

Amit Chandra

Private Wealth Manager

617.946.8076
Brian  Stanton

Brian Stanton

Registered Analyst

617.946.8042
Christina C Zine

Christina C Zine

Officer

Senior Private Wealth Associate

617.946.8034
Catherine Todd Caswell

Catherine Todd Caswell

Private Wealth Analyst Business Management

617.946.8033
Joy M Casserly

Joy M Casserly

Private Wealth Analyst Relationship Management

617.946.8036
Kyle S Chase

Kyle S Chase

Registered Private Wealth Associate

617.946.8035
Kristopher A Kalish

Kristopher A Kalish

Registered Private Wealth Associate

617.946.8019
Suhaila  Amalanayagam

Suhaila Amalanayagam

Registered Private Wealth Associate

617.946.8037
Toni  Haskins

Toni Haskins

Private Wealth Associate

617.946.8041
Yaman  Sharma

Yaman Sharma

Financial Advisor

716.849.2106
Armand Bassi III

Armand Bassi III

Senior Vice President

Wealth Management Advisor

781.229.8203
Marc  Marotta

Marc Marotta

Financial Advisor

781.229.7442
Leon  Fridmar

Leon Fridmar

First Vice President

Wealth Management Advisor

617.946.4101
Xiao-Xia Erica Zhen

Xiao-Xia Erica Zhen

First Vice President

Senior Intl Financial Advisor

617.946.4234
Charu  Narain

Charu Narain

Vice President

Wealth Management Advisor

781.283.5612

Strategies designed to help you achieve your goals

As a client of the Private Banking and Investment Group at Merrill Lynch, you have access to services and resources ordinarily reserved for the world’s largest institutions. We work with individuals, families spanning multiple generations, business owners and executives. Using a goals-based wealth management approach, we put our clients at the center of every personalized strategy.

Our Approach

Building Collaborative, Long-Term Client Relationships

"Every client is the chairperson of the board, and our role is to work closely with outside attorneys and tax professionals to coordinate and proactively advise and guide clients on tax minimization and wealth transfer strategies and legacy planning services. We take a leadership role to see that everyone is on the same page."

~ The Sharma Group~ 

Founded in 1987 by Raj Sharma in Boston, Massachusetts, The Sharma Group is a full-service wealth management team with a national scope. Our team members have over 100 years of collective experience providing customized advice and guidance to a select group of corporate executives, entrepreneurs, ultra-high-net-worth families, foundations and endowments. We combine the attentive, responsive and professional service of a small group with access to the intellectual capital, in-depth due diligence and top-quality research and technology of one of the largest global financial services companies. We draw on our experience, market acumen and professional skills—together with the investing insights of Merrill Lynch and access to the banking convenience of Bank of America—to help you grow and preserve your wealth during your lifetime and beyond.

Investment Philosophy and Methodology
We are ardent practitioners of a disciplined global asset allocation approach encompassing several asset classes to create a portfolio that is designed to help meet a specific set of outcomes such as a client’s financial independence, income, retirement, philanthropy and other uniquely personal goals. Our approach has two components: a strategic asset allocation designed for the long term and a tactical overlay focused on taking advantage of the short term inefficiencies of the market. We are constantly studying markets to identify profitable and durable long term themes and sectors that may align with clients' risk tolerance, liquidity needs, time horizon and long and short-term goals.

We believe investment vehicles such as exchange traded funds, mutual funds, hedge funds and SMA’s (separately managed accounts) are only a means to an end. To help pursue clients’ specific goals, we carefully design portfolios using a variety of investment vehicles using our open-architecture model – a platform that provides us access to some of the industry's best investment managers. In addition, using BofA Merrill Lynch Global Research’s proprietary, award-winning research*, we may suggest to clients that they add additional sleeves to a portfolio for equity and fixed income management.

Another cornerstone of our philosophy involves using tax minimization strategies, which we focus on all year round as opposed to a reactive, last minute approach. Our portfolio objective is to help manage volatility and downside risk while maintaining a steady focus on long term wealth accumulation. We employ portfolio rebalancing on a periodic basis to see that portfolios are properly aligned for risk and return.

One of the attributes of our team’s intellectual capital is our strong and nuanced understanding of global economics and wealth creation. This perspective helps us work with you to design investment portfolios that fully take advantage of the many opportunities that the global markets have to offer.

Assistance With the Many Dimensions of Family Wealth
A number of client relationships span several generations. The Sharma Group can help clients craft family mission and value statements incorporating their financial, social, philanthropic and intellectual goals and resources. We can also organize family investment meetings, bringing everyone together for advice and guidance about important legacy issues. To assist members of the younger generation in making informed, well-thought-out decisions, our team has a financial advisor dedicated to working with them and providing ongoing education regarding budgeting, wealth management and investing.

The Personalized Attention You Expect and Deserve
Our team works with a select number of clients by design so that we can provide high-touch, concierge-level service and devote significant time and resources to every relationship.

Private Banking and Investment Group Professionals
Our private wealth managers and senior financial advisors provide clients with a direct line to all the resources and capabilities of a truly global investment firm—in ways that are more in keeping with a small, very exclusive boutique-like atmosphere. Concierge services, family meetings, and private seminars and events are all part of the experience.
*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
*Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2011- 2016 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. For more information about this award, go to http://www.institutionalinvestor.com/Article/3646543/ResearchArticle.html

*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized.  BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.  

A Holistic, Dynamic Approach to Serving Your Needs and Aspirations

"A wealth management strategy is very much like a business plan, but for an individual or family rather than a business. We see our work for you as similar to that of a family office."

~ The Sharma Group ~


We believe that wealth management is about more than investing; it’s about helping you pursue your most cherished goals and aspirations, such as creating a legacy for your children and grandchildren or supporting a charity you believe in.

At the heart of our process is a disciplined approach to defining your financial vision. We spend a significant amount of time talking with you to gain a full understanding of your life situation, financial resources, liquidity needs, risk tolerance, time horizon, concerns, objectives and priorities. What we learn forms the basis for the investment strategies we propose. Our strategies are as dynamic as your life. We meet with you regularly to stay apprised of significant personal events and material changes to your finances and may suggest revisions to your strategies, if necessary, to keep them aligned with your aspirations and values.

Understanding Risk on Your Terms
Managing risk is a fundamental aspect of our wealth management approach. Your personal tolerance for risk will affect our allocation strategies and investment selection, which in turn may affect potential returns. In customizing your portfolios, we find that a useful guide is the Merrill Lynch Wealth Allocation Framework, with divides your wealth into three segments, associated with three distinct objectives:
  • Personal Risk—In this segment, the goal is to avoid jeopardizing your basic standard of living by seeking to reduce downside risk, which may entail accepting below-market returns. For this component, we may suggest cash and cash equivalents, such as short-term bonds and annuities.
  • Market Risk—The objective here is to maintain your lifestyle by attaining market performance from a broadly diversified portfolio composed of stocks, bonds and alternative investments.
  • Aspirational Risk—The goal for this segment is to enhance your lifestyle by seeking to increase the upside potential of your investment through the acceptance of measured but significant risk.
Deep Intellectual Capital
A notable strength of our group is our ability to complement and collaborate with your circle of advisors—including accountants, attorneys, business advisors and other professionals—to help integrate the various aspects of your financial life. We can also coordinate with internal specialists. We may call on specialists from Merrill Lynch, for instance, for assistance in such areas as asset management, insurance and business services. We may also access Bank of America specialists for help with private banking, credit and lending, philanthropic services, and trusts and legacy planning.
*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.


Sophisticated Services Tailored to Particular Needs

"We seek to help simplify clients’ lives by relieving them of the burden of managing their day-to-day finances and giving them more time to pursue their passions and live their lives to the fullest."

~The Sharma Group~

Our team members have the experience, skills and knowledge to help address the complex challenges facing a broad spectrum of affluent individuals, families and organizations.

Corporate Executives
Our team can assist corporate executives with retirement planning services and complex compensation packages, including option and restricted stock grants and nonqualifed deferred compensation. For concentrated stock holdings, we may utilize sophisticated techniques to help diversify clients’ portfolios and defend the position against adverse market movements.

Entrepreneurs
Having built our own team from scratch, we understand the challenges and responsibilities of running a small to midsize business. We can help entrepreneurs and business owners integrate their personal and professional financial goals through risk management and investment strategies, benefit plan services, insurance, and business-continuation and -succession services. We can provide access to Bank of America's cash and liability management, and credit and lending strategies.

Ultra-High-Net-Worth Families
We can help prepare well-thought-out strategies designed to create a legacy for the next generation. In coordination with your attorneys and Bank of America legacy planning and trust specialists, we can access the resources you need to set up wills, powers of attorney, living trusts, generation-skipping trusts and family limited partnerships.

Foundations and Endowments
Our experience sitting on numerous boards and committees has given us special insight into trustees’ thinking processes, concerns, responsibilities and needs. We draw on this understanding in working with the Bank of America Merrill Lynch Global Institutional Consulting group to develop strategies designed to help not-for-profits pursue their missions and fulfill their legal oversight and governance responsibilities.

Philanthropy and Private Family Foundations
Coordinating with Bank of America Wealth Structuring Group trust specialists and representatives from U.S. Trust, we can help you structure trusts, foundations and other vehicles to take your charitable giving to a higher level and complement your broader wealth management goals.

Family Offices
Working closely with the Merrill Lynch Family Office and your own accountants, attorneys and other professionals, we can provide you with customized, integrated services aligned with your family’s specific objectives, such as:
  • Household accounting services, financial statement reporting and bill payment
  • Income tax coordination
  • Personal cash flow strategies
  • Family business entity consulting
  • Family partnership/LLC advisory services
  • Risk management and insurance services
  • Access to lifestyle, concierge and travel services
  • Access to Bank of America special asset acquisition analysis
Educational Programs
We offer educational programs for clients to enhance their understanding of global markets as well as philanthropy, legacy planning and family dynamics. In addition, we offer programs specifically designed for the next generation in wealth planning and investment strategy.

Behavioral Assessment
By understanding clients' personal and emotional attitudes and behavior, we are able to navigate market volatility more effectively, Our assessment gives us insight into clients' investment personality including their mind set towards risk, preferred approach and purpose for investing.

*Global Institutional Consulting (“GIC”) is part of the Global Wealth and Retirement Solutions business of BofA Corp. Institutional Investments & Philanthropic Solutions (Philanthropic Solutions) is part of U.S. Trust, Bank of America Corporation (“U.S. Trust”). U.S. Trust operates through Bank of America, N.A., member FDIC, and other subsidiaries of BofA Corp. For both GIC and Philanthropic Solutions, banking and fiduciary activities are performed by wholly owned banking affiliates of BofA Corp, including Bank of America, N.A. Both brokerage and investment advisory services are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC), and registered investment adviser; the nature and degree of advice and assistance provided, the fees charged, and clients’ rights and MLPF&S’s obligations will differ depending upon the products and services actually provided. Global Institutional Consultants mentioned herein are registered representatives with MLPF&S and may assist you with investment products and services.

Professional Asset Management

"We have a strong and deep background in understanding global economics, financial markets and wealth creation. We take a quantitative perspective on active global allocation and risk management, seeking to find a suitable mix of assets to help you pursue your desired outcomes."

~The Sharma Group~

We believe that disciplined asset allocation is a key factor for investors pursuing long-term financial goals while looking to reduce portfolio volatility. Our investment methodology is designed to help clients construct an efficient portfolio of diversified assets that reflects the opportunities in the global economy.

Discretionary Management
You can delegate to Raj Sharma, a specially qualified Portfolio Manager, investment management responsibilities for your portfolios, meaning that he has discretion over certain investment decisions surrounding your investment strategy. Once he has confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, he will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. Granting Raj authority allows them to respond to market changes, price volatility and global events with the ability for make adjustments, if needed, to help your portfolio stay on track to pursue your goals. A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies.
 
Chris Kemp is a specially qualified Senior Portfolio Advisor who, in addition to providing traditional advice and guidance, can draw from his experience to help clients pursue their objectives by building and managing custom investment strategies, selecting from a wide range of Merrill Lynch model portfolios and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Advisor may manage those strategies on a discretionary basis.

To help you monitor and assess performance, we will periodically review your portfolio with you and you will receive periodic communications including monthly statements, quarterly portfolio summary updates and annual performance reports.

A Commitment to Service

Merrill Lynch’s Private Banking and Investment Group is committed to providing a select group of wealthy clients with highly personalized one-on-one service. When you work with us, our knowledgeable, rigorously trained Private Wealth Advisors will gain a deep understanding of your goals, help you develop a multigenerational wealth strategy, help you monitor its success and update your strategy as needed. We are committed to providing you access to the investment insights of Merrill Lynch and the banking convenience of Bank of America, and we will continue to invest in client tools and new technology to enhance your overall experience as you and your private wealth advisor pursue what’s most important to you.

Our Philosophy

We believe that your unique goals should be at the center of all of your financial decisions and form the foundation of your financial strategy. Because significant wealth requires sophisticated, highly customized strategies, we believe in building lasting relationships with a limited number of clients, taking the time to understand your most important priorities for today, tomorrow and your long-term future. Our philosophy celebrates collaboration. Working with a team of specialists, we draw on the resources and insights of a global financial institution to create strategies that reflect your aspirations for yourself and current and future generations of your family. Finally, we believe that while significant wealth brings complex challenges, our experience, passion and perspectives can help you simplify your life.

Let's have a conversation.

Your dedicated Private Banking and Investment Group team is ready to help you pursue what's most important to you.

Our Vision

For clients of substantial wealth, Merrill Lynch’s Private Banking and Investment Group provides an experience that is both powerful and personal. We are dedicated to helping you pursue your goals for today while developing a wealth strategy designed to support your family members for the years to come.

A trusted one-on-one relationship
Your private wealth advisor and team of specialists work with a limited number of clients, enabling them to focus their time, training and passion on helping you simplify your personal and business finances and prepare your next generation as stewards of wealth.

Boutique-like service with the access to the investment resources of Merrill Lynch and banking convenience of Bank of America

We combine the personalized attention and feel of a smaller firm with the power and insights of a global financial institution, creating strategies tailored to your unique situation.

A relentless commitment to transparency and customized strategies

As our client, know that we are working in your best interests, providing sophisticated strategies designed to anticipate and meet your evolving financial needs.

The Sharma Group