Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
A “goals-based” advisor before it was a popular expression, Chad has always put his clients’ objectives and concerns at the center of his highly personalized approach.
Having managed clients’ assets and emotions amid the volatility of 2001, 2008 and 2020 (with the scars to prove it), Chad is proud that virtually all of those clients remain with him today. He believes that’s due in large part to his enlightened perspective on mitigating investment risk. Often, he introduces clients to the benefits of owning alternative investments including private equity, real estate, hedge funds and private debt – assets not correlated to the volatility of major markets.
Still, Chad’s focus remains on his clients’ lives, not just their bottom lines. He feels good that they’ve “done well” during the Bull Market – sending children to college, purchasing first and second homes, prospering in their careers, enjoying liquidity events and the lifestyles they’ve worked tirelessly to achieve.
A lifetime learner, Chad finds that his rigorous and ongoing industry training allows him to bring clients an extra measure of financial knowledge and work more strategically and analytically on their behalf. Specifically, he holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. and the Certified Plan Fiduciary Advisor (CPFA) designation.
Chad entered the financial services in 2001 – first in banking. That background continues to inspire him today, as he recognizes the importance of enhancing both sides of clients’ balance sheets (assets and liabilities). When helpful, he provides ready access to specialists at Bank of America, N.A. for appropriate solutions including residential and securities-based lending, commercial lending including construction and equipment financing, as well as cash management.
In addition to co-founding The RPM Group and being a senior member of the team, Chad is the Senior Resident Director of the Birmingham South Merrill Lynch Wealth Management office. In that role, he provides supervision and coaching for 27 financial advisors.
Chad holds a Bachelor’s degree in Business with a concentration in Finance from Birmingham Southern College. He and his wife, Janet, have three children – Jack, Robert, and Guy.
Pell City High School
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Supported by the global resources of Merrill, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.
We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
We will work to help you stay on track, regardless of what the markets are doing.
Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.