PROFESSIONAL PROFILE

The goal of the Dalrymple/Ceresa Group is to deliver the resources of one of the world's most prestigious wealth management firms with the intimacy and personal service of a boutique. With over 70 years of combined experience, we are dedicated to helping our clients make sound financial decisions that enable them to realize their dreams. At the heart of our philosophy is a passion to build enduring client relationships through our commitment to providing outstanding service and guidance. We do everything in our power to keep our clients focused on where they want to go, advise them on how to get there, and continually remind them of the importance of maintaining a disciplined approach in realizing their dreams.

We advise individuals and families on wealth accumulation, preservation and transfer through the creation of individualized wealth management strategies utilizing a well-defined process that focuses on:

1. Developing a plan for each client based upon their goals, time horizons and risk tolerance;

2. Creating a long-term investment strategy focusing on diversification and tax efficiency;

3. Implementing the plan in a collaborative effort with each client and their tax and estate planning advisors;

4. Regularly reviewing progress with each client and rebalance the portfolio as needed, reflecting any changes in the client’s goals, needs or tax situation.

We advise business owners through all stages of the business cycle, from start-up to maturity, by providing strategies for cash management, employee benefit plans, short and long term financing and ultimately succession planning. Business owners have the need to defer income for themselves and their employees, and we assist our clients in developing the right strategy for them.

Together with specialists in different areas of expertise, we offer our clients a wide range of additional services including education saving planning, liability management, retirement planning, tax minimization, and asset protection.

Our abundance and diversity of work and life experiences affords us a perspective that clients find valuable when considering the broader scope of their financial lives.

Elizabeth Dalrymple, Vice President, is a Wealth Management Advisor and has helped clients manage their wealth for over 23 years. Prior to joining Merrill Lynch, Liz worked on Capitol Hill as a U.S. Senate and House of Representatives staff member. She also served as a fundraiser and campaign manager for several political campaigns and non-profit organizations, and was the investment assistant for a venture capital and private placement firm. Liz is a Certified Financial Planner® and Certified Investment Management Analyst®. She is a member of the Investment Management Consultants Association and Financial Planning Association. Liz serves on the Board of Directors of the Adelante Foundation, a microfinance institution whose mission is to improve the standard of living of extremely poor women in Honduras. Liz earned her B.A. in Spanish at U.C. Berkeley and has completed public affairs graduate work through the School of Business at the American University in Washington D.C.

Yvonne Ceresa is an energetic Financial Advisor with nearly 20 years of experience in the financial services industry, advising both individuals and business owners. She joined Merrill Lynch in 2008 after spending the last 10 years at Barclays Global Investors. There she worked closely with large corporations and municipalities around the country, with more than $20 billion in total assets, focusing on their pension and 401(k) plans. She has served as investment advisor to large foundations and endowments, advising them on their investment portfolios. Previously, Yvonne spent 5 years as a portfolio manager, managing $280 million for high net worth individuals, focusing on achieving her client’s investment objectives while minimizing taxes. Yvonne is a Chartered Financial Analyst and earned a B.S. in Finance and Accounting from San Francisco State University. She is a member of the CFA Institute, CFA Society of San Francisco, and the Walnut Creek Chamber of Commerce. Yvonne is native to the San Francisco Bay Area, where she currently resides with her husband and two children.

Joyce Hunt is a Senior Associate and a Chartered Retirement Plan Counselor®. She has been with Merrill Lynch for 29 years and her critical role is to facilitate wealth planning operations and client relationship services. Her long tenure at Merrill Lynch provides our clients with a deep knowledge of the firm’s resources and a keen understanding of efficient operations. Joyce has also managed training for Financial Advisors in our regional training center. Prior to joining the firm, she served as the office manager for an entrepreneur’s three companies, responsible for payroll and day-to-day office management of a four-person office.