James Below
Advisor at Merrill
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
About
James Below is a Wealth Management Advisor at Merrill Lynch Wealth Management with experience since 1985 in assisting individuals and small businesses with wealth management. His expertise centers on helping plan sponsors manage and administer retirement plans, including 401(k), Profit Sharing, and Defined Benefit plans. He holds multiple professional designations, including Chartered Retirement Planning Counselor™, Chartered Retirement Plan Specialist™, Certified Plan Fiduciary Advisor®, Certified 401(k) Professional, Personal Investment Advisor, and Retirement Benefits Consultant. In addition, he serves as a Portfolio Manager, managing personalized investment strategies on a discretionary basis.
Before his current role, Mr. Below founded Senergy Incorporated, a consulting firm focused on financing and developing energy-saving projects for commercial buildings. He attended the University of California at Berkeley and Humboldt State University, concentrating on economics and accounting. Mr. Below lives in Santa Rosa with his wife and two sons. He also dedicates time to volunteer work within the community. His personal interests include football, hiking, reading, and watching movies.
Client services
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Performance measurement reports, allocation modeling, ips, research reports and services, see schedule d
Performance measurement reports, allocation modeling, ips, research reports and services, see schedule d
Expertise
Retirement plans for business owners (SEP, solo 401k)
Retirement income strategy
Retirement withdrawal strategies
Wealth management
Tax strategies for small businesses
Occupation focus
Founder/Business Owner
Demographic focus
Married/Couples/Partners
Parents
Work history
Bank of America, N.A.
2011 - Present (15 years)
Merrill
1989 - Present (37 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
Jay Z
CFP®
Mount Juliet, TN
ChildFree Wealth
Hi, I'm Dr. Jay. My wife and I are Childfree, and it has a big impact on how we structure our finances. I started Childfree Wealth because I know that most financial advice assumes you have kids, and I wanted our community to have access to financial planning that is designed to meet our unique needs. I grew up broke. No one taught me how to manage money. I earned my first million by the time I was 21, but without knowing how to manage and invest it, I’d spent it before I was 25. I know how hard it can be to manage your money, especially if you haven’t been taught the foundational principles of financial planning. I’m excited to share my knowledge with you to help you create a financial plan that supports the vision you have for your life. I’ve been a life and business coach for over a decade. I have a PhD in Adult Learning from the University of Connecticut, an MBA from SCSU, and I am a Fee-Only, Flat-Fee, Fiduciary; a CERTIFIED FINANCIAL PLANNER™; and a Childfree Wealth Specialist®. I’m also the author of the book Portraits of Childfree Wealth®, the upcoming book The Childfree Guide to Life and Money, and the co-host of the Childfree Wealth® podcast. Listen to Jay's podcast here: https://childfreewealth.buzzsprout.com/
Rosa B
Series 66
Gallatin, TN
Edward Jones
Alexander T
Series 66
Lebanon, TN
Edward Jones
Patrick S
Series 66
Mt Juliet, TN
Edward Jones
Laura W
CFP®, Series 66
Lebanon, TN
Edward Jones
Jeremy H
Series 66
Lebanon, TN
Edward Jones
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")