Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
For more than a decade at Merrill Lynch, Michael has worked with clients and families in the Bay Area, helping to manage their financial affairs. In particular, Michael has a thorough understanding of the nuances associated with retirees, professional women, and physicians. Backed by the investment insights of Merrill Lynch and the banking services of Bank of America, Michael's value delivery extends well beyond investment management, to the highly personalized services he offers his clients for nearly every aspect of their financial lives.
Retirement Income Strategies for Retirees
Michael has a nuanced understanding of the challenges facing retirees. Retirement is an exciting time to pivot from a working life to a life of 'leisure'. However, it can be a financially scary time, in that the retiree is terminating their annual earnings for the rest of his or her life, to then live off of savings and Social Security. Looking beyond simply that of their investable assets, Michael can help retirees chart a path to living comfortably, while minimizing financial stress.
Wealth Management for Professional Women
Many women today are earning higher salaries and are more involved in household financial decision-making than ever before. Along with financial responsibility comes the need for financial preparedness. Michael recognizes the complexities women face when it comes to their wealth, whether they are the primary bread winner, sole earner, or helping to raise the family. He takes the time to understand their personal and financial goals, appreciates their unique perspectives, and helps them establish greater control of their financial well being.
Financial Care for Physicians and Dentists
Whether for a sole practitioner, partner or those employed by a large institution, Michael offers busy physicians and dentists advice and guidance for all of their financial affairs. He can assist with income management, personal and business investing, insurance, succession planning, and liquidity needs to facilitate the lease or purchase of equipment and real estate. Practice owners can leverage Michael's retirement knowledge to improve upon their practice's pension and 401(k) plans for owners and employees.
A Client-Focused Approach
Michael enjoys taking time to get to know clients and is committed to putting their needs first. Providing outstanding client service is the most important aspect of his role. Michael's hope is to be the first call a client makes for any and all of their wealth management needs.
Michael is a CERTIFIED FINANCIAL PLANNER™ CFP® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc.
**Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S. *CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning.
University of Southern California
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We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.
1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help you stay on track to achieve what's most important to you.
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Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
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Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.