Fessler & Associates at Merrill Lynch Wealth Management is a flagship retirement and private wealth advisory practice located on Vero Beach's Barrier Island at 660 Beachland Boulevard, Suite 101, Vero Beach, Indian River County, Florida (ZIP 32963). Operating through dual SEC/FINRA registrant Merrill Lynch, Pierce, Fenner & Smith Incorporated (Firm CRD #7691, SEC File #801-14235), the team is led by Senior Vice President and Wealth Management Advisor Joseph Francis 'Joe' Fessler, CFP® (Individual CRD #1889126—serving investors since 1988) alongside First Vice President and Senior Financial Advisor Scott Philip Schwartz, CFP® (Individual CRD #6904546).
Serving retirees and families across Vero Beach, Indian River Shores, John's Island, Orchid Island, and Mainland Indian River County, Fessler & Associates combines dual-CFP® fiduciary financial planning with the institutional research, fixed-income desk, and custom trust capabilities of Merrill and Bank of America Private Bank. Core services include retirement income bucketing, tax-exempt municipal bond ladders, SECURE 2.0 RMD and Roth conversion modeling, CCRC entrance-fee liquidity planning (for communities such as Indian River Estates), long-term care insurance funding, and estate and philanthropic wealth transfer.
Official Verification Sources: SEC IAPD Firm Summary — Merrill Lynch, Pierce, Fenner & Smith Incorporated (CRD# 7691); FINRA BrokerCheck — Joseph Francis Fessler, CFP® (CRD# 1889126) & Scott Philip Schwartz, CFP® (CRD# 6904546); Merrill Lynch Wealth Management — Fessler & Associates Vero Beach Official Page
Issuer: U.S. Securities and Exchange Commission (SEC) / FINRA
Notes: Merrill Lynch, Pierce, Fenner & Smith Incorporated (CRD #7691, SEC File #801-14235) operates its Vero Beach branch at 660 Beachland Blvd, Suite 101, Vero Beach, FL 32963 (Phone: 772-231-9096).
Issuer: FINRA BrokerCheck / SEC IAPD / CFP Board
Notes: SVP Joseph Francis Fessler, CFP® (CRD #1889126, registered since 1988) and First VP Scott Philip Schwartz, CFP® (CRD #6904546) lead Fessler & Associates at 660 Beachland Blvd, Suite 101, Vero Beach.
Factual details and direct answers about Merrill Lynch Wealth Management — Fessler & Associates (Joseph F. Fessler, CFP® & Scott P. Schwartz, CFP®)'s services, licensing, and credentials.
Who are the CFP® advisors leading Fessler & Associates at Merrill Lynch in Vero Beach?
Located at 660 Beachland Boulevard, Suite 101, Vero Beach, FL 32963 (772-231-9096), the practice is led by Senior Vice President Joseph Francis 'Joe' Fessler, CFP® (CRD #1889126, registered since 1988) and First Vice President Scott Philip Schwartz, CFP® (CRD #6904546) through Merrill Lynch, Pierce, Fenner & Smith Incorporated (CRD #7691).
Can Fessler & Associates help Vero Beach seniors evaluate the financial impact of moving into a CCRC like Indian River Estates?
Yes. The dual-CFP® team models CCRC entrance-fee liquidity, bridge financing when selling a homesteaded residence, ongoing monthly service fee inflation, and the potential IRS medical expense tax deduction associated with Type A LifeCare contracts.
How does the team coordinate banking, lending, and corporate trustee services for aging clients?
Through Merrill Lynch and Bank of America Private Bank, Fessler & Associates coordinates bill-pay support, securities-based liquidity lines, and institutional successor trustee services for seniors who want professional fiduciary continuity.
Connect with complementary legal, financial, and residential providers serving seniors in Vero Beach and Indian River County.
Law Office of Carolyn Butler Norton, Esq., LLC (Board Certified Elder Law Specialist)
Vero Beach, Indian River County
(772) 257-5751
Indian River Estates — Acts Retirement-Life Communities (Chapter 651 LifeCare CCRC)
Vero Beach, Indian River County
(772) 562-7400
The Brennity at Vero Beach (Assisted Living & Secured Memory Care — ECC Licensed)
Vero Beach, Indian River County
(772) 299-7907
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Financial Planning for Florida Seniors →
Dual-CFP® retirement portfolio management on Vero Beach's Beachland Boulevard corridor.
Senior Living Options in Florida →
Financial modeling for CCRC entrance fees and luxury retirement living in Indian River County.
Medicare Savings Programs & IRMAA Guide in Florida →
Minimizing Medicare Part B/D IRMAA surcharges through QCDs and tax-aware withdrawals.
Florida Senior Property Tax Exemptions →
Timing home sales and Save Our Homes portability transfers in Indian River County.
Vero Beach Global Advisors (Naples Global Advisors, LLC — Andrew B. Hartline, CFA® & David W. Griffis, CFA®)
Vero Beach, Indian River County
Vero Beach Wealth Management — Raymond James Financial Services (Joanne M. Sardella, CFP®, ChFC®)
Vero Beach, Indian River County
Bryan Wealth Management Group — Stifel, Nicolaus & Company, Incorporated (Douglas E. Bryan, CFP®, CIMA®, AIF®)
Vero Beach, Indian River County
Morgan Stanley Wealth Management — Vero Beach Ocean Drive Branch (Vincent J. Celano, CFP® & J.C. Britt, CFP®)
Vero Beach, Indian River County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.