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When can you enjoy everything you’ve worked for?

Welcome to a different kind of wealth management in San Francisco

We get you to think about money like you’ve never thought about it before

Has rolling up your sleeves, working hard, and building success always been part of your DNA? Then we believe Mercer Advisors is the wealth management firm for you.

Because we’re here to help you keep building on that success. But at the same time, we fundamentally believe there’s a point in life where the wealth-builder in you deserves to become the wealth-enjoyer of all you’ve attained.

We’re built differently

Because to us, helping you protect and grow your wealth is about much more than just your investment portfolio

Of course, a well-managed investment portfolio is the cornerstone to building wealth. And we strive to do that exceptionally well.
 
But if returns are your sole focus, those returns can quickly be offset by what happens in the other parts of your financial life. Like not preparing for major taxable events, having an incomplete estate plan, a retirement plan that’s on autopilot, or a less than ideal business succession strategy.
 
So, unlike most firms, we have expertise across financial planning, investing strategy, tax and estate planning, trust services, insurance coverage, and more. With specialists across each of these areas communicating with each other about you, and with you.

Put simply, we help oversee and connect all the dots of your financial life.

Meet our talented wealth advisors in the San Francisco area

They’re here to help you connect all your financial dots

Ben Kautz

Managing Director

Ben Kautz

Ben Kautz

Managing Director

Ben began his career working for institutional registered investment advisory firms in 2003, bringing with him a wealth of planning and investment management knowledge. Prior to joining Mercer Advisors, he worked as a senior wealth advisor at Destination Wealth Management and as a financial advisor at Summit Financial Strategies. Ben received his Bachelor of Science degree in Finance and Economics, with a minor in Business from Ohio University. Originally from the Midwest, Ben currently lives in Walnut Creek, California with his family.

Tim Kallas

Regional Vice President

Tim Kallas

Tim Kallas

Regional Vice President

Tim began his financial career in 1993. Prior to joining Mercer Advisors he worked in both Institutional and private wealth management client advisory roles. Having spent 20 years working for major Investment Banks and managing Institutional Equity Sales and Trading desks on the west coast he brings with him a wealth of experience in Equity Capital Markets and client service. Tim has always believed that placing your clients interests first and working towards their goals should be a financial professional’s primary focus. Tim graduated from Cal Poly, Pomona with a degree in Business and holds the FINRA Series 65. After college, he had the honor of serving as an Infantry Officer in the US Army and graduated from both Airborne and Ranger Schools, leaving the service as a Captain. Tim enjoys fly fishing, skiing and golf and lives in Marin County with his family.

Andrew Beck

Regional Vice President

Andrew Beck

Andrew Beck

Regional Vice President

Andrew began his career in wealth management in 2014, where he worked at a large private wealth manager in Account Management and Client Service. He also has worked in venture capital as an associate, with focus on Operations and Investor Relations. Andrew joins Mercer Advisors with a wholehearted focus on providing the best service possible to potential clients, and an ongoing commitment to helping clients find their path to economic freedom. A native of Southern California now living in San Francisco, Andrew enjoys outdoor activities and running in Golden Gate Park. Andrew holds a B.A. from Westmont College, and a M.B.A. from the University of Arizona, as well as the FINRA Series 66 License.

Fred Xuereb

Sr. Regional Sales Associate

Fred Xuereb

Fred Xuereb

Sr. Regional Sales Associate

Fred began his financial services career in 1992. Prior to joining Mercer Advisors, he held a variety of operations, risk management, and training positions at Charles Schwab & Co. Fred’s areas of expertise include financial markets, investment concepts, and asset management. He graduated from Santa Clara University with a Bachelor of Science degree in Business Administration and holds the FINRA Series 66 license.

Jessica Caruso

Sr. Wealth Advisor, Sr. Director

Jessica Caruso

Jessica Caruso

Sr. Wealth Advisor, Sr. Director

Jessica has been with Mercer Advisors since 2007. In addition to delivering comprehensive financial planning to her valued clients, she also serves as Regional Director for Mercer Advisors’ Bay Area team and sits on the Steering Committee for the firm’s InvestHERs women’s initiative. Jessica was recognized by Forbes as one of the Top Women Wealth Advisors in 2020 and 2021, the Top Next‐Gen Advisors in 2021, and the Top Women Wealth advisors - Best in State 2022. Jessica graduated cum laude from Westmont College with degree in Economics and Business and currently lives in San Francisco with her husband Kyle and three sons.


The Forbes ranking of America’s Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State, developed by SHOOK Research, is based on an algorithm of qualitative data, learned through surveys and interviews conducting in-person, by telephone and virtually to evaluate best practices, level of service, investing models and compliance records as well as quantitative data, such as revenue trends and assets under management. All advisors have a minimum of seven years’ experience. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK receive a fee in exchange for rankings.

The Forbes ranking of Top Next Gen Wealth Advisors developed by SHOOK Research, is based on an algorithm of qualitative criterion, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of four years' experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass the highest standards of best practices. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK receive a fee in exchange for rankings. 3,389 advisors were considered for the Next-Gen ranking. 500 advisors were named to the final Next-Gen advisors list.

Neither rankings and/or recognitions by unaffiliated rating services, publications, media, or other organizations, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Mercer Advisors is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (see participation criteria/methodology). Unless expressly indicated to the contrary, Mercer Advisors did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of Mercer Advisors by any of its clients.

Joseph Mah

Sr. Wealth Advisor

Joseph Mah

Joseph Mah

Sr. Wealth Advisor

Joseph Mah is a client advisor and branch manager for the San Mateo Office in California. He has more than 20 years of financial services experience and prior to joining Mercer Advisors, Joe was a partner and senior advisor at Dragon Financial Group. During his career, he has served in various individual contributor and management roles with top financial services firms including Bank of America and Wells Fargo. He holds a FINRA Series 65 license, is an Enrolled Agent, has an MBA and has held other professional licenses and certifications including for real estate and insurance. Joe’s a native of San Francisco and when time allows, he enjoys audiobooks, eating at holes-in-the-walls and making memories with his wife and two children.

Jojo Cresci

Sr. Wealth Advisor

Jojo Cresci

Jojo Cresci

Sr. Wealth Advisor

Jojo began her financial services career in 2014 by providing investment advice, portfolio design, and financial planning advice to both private and institutional clients. As a CERTIFIED FINANCIAL PLANNERTM professional, Jojo is passionate about helping her clients pursue their long-term financial goals. Jojo actively collaborates with her clients’ network of tax, insurance, and estate planning professionals to help ensure that every aspect of their financial plan is integrated and customized to their unique needs, today and tomorrow. Jojo obtained her Dual Master’s Degree from both London School of Economics and the University of Southern California. She also holds the FINRA Series 65 License. Jojo is fluent in English and Mandarin. She spends her free time with her family and their German Shepherd, Niko.

Nancy Coumou

Sr. Wealth Advisor

Nancy Coumou

Nancy Coumou

Sr. Wealth Advisor

Nancy began her career in the financial services industry in 2008 at a fee-only financial planning firm. She gained a deep commitment to the fiduciary standard in delivering comprehensive investment management and financial planning services. Nancy loves helping clients identify and quantify their life goals, understand and implement a sound financial plan and, ultimately, achieve Economic Freedom. Prior to Mercer Advisors, she worked for BlueSky Wealth Advisors, H&R Block and Aetna Life & Casualty. During tax season, Nancy is a volunteer tax preparer with the City of Fremont’s VITA program. For fun, she enjoys cycling, gardening and hanging out with her husband and two sons.

Fanny Guo

Sr. Wealth Advisor

Fanny Guo

Fanny Guo

Sr. Wealth Advisor

Fanny began her career in the financial services industry in 2007. Her past professional experiences include financial advisor at Raymond James where she provided comprehensive financial planning and investment management for high-net-worth clients. She also served as senior operations manager at AXA Advisors. Fanny earned a degree in Business Administration, with an emphasis in Finance, from the University of California, Riverside. She also holds the FINRA Series 66 License. Fanny is fluent in English, Cantonese, and Mandarin.

Jedd Nicolas

Wealth Advisor

Jedd Nicolas

Jedd Nicolas

Wealth Advisor

Jedd began his career in 2006. Before joining Mercer Advisors, he worked for Royal Alliance Associates, INC, serving as a Senior Financial Advisor for over 200 client households. As a CERTIFIED FINANCIAL PLANNER™ professional, Jedd believes in holistic planning to help his clients achieve their long-term financial goals.

Jedd earned a Bachelor's degree in Corporate Finance and Financial Services from San Francisco State University. Additionally, he holds the FINRA Series 65. Jedd is a native of the Bay Area and resides in Redwood City with his wife and daughter. During his free time, Jedd enjoys listening to crime podcasts, watching the Golden State Warriors, and spending time with his family.

Jeff Giguere

Wealth Advisor

Jeff Giguere

Jeff Giguere

Wealth Advisor

Jeff began his career in the financial services industry in 2014. Prior to joining Mercer Advisors he worked at Capital Advantage, Inc. where he served as the Financial Advisor to over 100 clients. During this time, Jeff provided retirement planning and investment advice to local individuals looking for recommendations on their path towards financial independence. He received his Bachelor of Science degree in Business Finance from California State University, Chico. He is also a CERTIFIED FINANCIAL PLANNER™ professional and holds the FINRA Series 66 License. Jeff grew up in Pleasanton, and currently lives in Oakland with his wife. In his spare time he enjoys being outside taking pictures, playing golf, or hiking.

Phillip Swenson

Wealth Advisor

Phillip Swenson

Phillip Swenson

Wealth Advisor

Phillip began his career in financial services in 2015. Prior to joining Mercer Advisors, he did financial planning at a Bay Area firm, where he leveraged his background in teaching to provide clarity to clients as they made financial decisions. He completed the Personal Financial Planning program at the University of California, Berkeley before passing the CFP® exam and becoming a CERTIFIED FINANCIAL PLANNERTM professional. He holds the FINRA Series 66 License. In his free time, he enjoys cycling and travel, ideally combining the two.

See our entire team

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with one of our talented wealth advisors who’ll help you connect all your financial dots

We’ll touch base to discuss your individual needs so that we can connect you with a wealth advisor who’s right for you.


Please Note: The achievement of any professional designation, certification, degree, or license should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Mercer Advisors is engaged, or continues to be engaged, to provide investment advisory services.