Daniel M. Cutter, CRPCTM

Daniel Cutter is a Senior Vice President and Senior Financial Advisor with the Special Needs Team at Merrill Lynch Wealth Management. Headquartered in San Francisco, Dan works with clients throughout the West, providing tailored advice and guidance to enhance the long-term financial well-being of special-needs, disabled and elderly individuals. He is particularly skilled in working with clients’ external trust and legal advisors to design customized programs squarely focused on the well-being of the client. His areas of focus include Special Needs Trusts, government benefits, trust administration, the Uniform Prudent Investor Act, and California Probate Code.

Dan began his wealth management career in 1999. Prior to joining Merrill in 2005, he served as a Financial Advisor with Morgan Stanley. He earned his M.B.A. with a concentration in Finance from the University of San Francisco and holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp. Dan has served as a consultant for two major legal publications: Special Needs Trusts: Planning, Drafting, and Administration through the California Continuing Education of the Bar, and Administrating the California Special Needs Trust. Dan is also a recipient of the prestigious David Brady* award (received in 2017) bestowed upon the Merrill employee who goes beyond expectations in his dedication to clients.

Dan lives in Berkeley with his wife Yael and their four children.

*Bank of America Corporation’s David Brady Community Service Award is named for David Brady, a Merrill financial advisor who died in the terrorist attacks of September 11, 2001. He was highly respected for putting the client first and giving back to his community. The award that bears his name was created in 2007 and seeks to honor individuals within Bank of America Corporation Global Wealth & Investment Management who continue to emulate David’s ethos.

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.