Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Over the past 13 years, Bob has attracted a growing circle of successful clients whose values and sense of purpose demand an advisor’s ability to satisfy their best interests from a financial and personal perspective.
For clients looking to achieve greater balance in their lives, considering their next chapter, or pursuing active hobbies and interests, Bob provides exceptional levels of acumen and attention. Rather than serve a large number of clients, Bob believes in doing more for fewer clients and their families. This enables him to work closely, whenever possible, with both spouses and even educate teenage children on wise financial habits. For Bob and for clients, passing along wisdom with wealth is of primary importance.
Notable in Bob’s planning-based approach are the questions he asks clients to gain a genuine appreciation of how he can add value to the relationship, “What’s most important to you – maintaining your lifestyle, building wealth, educating your kids, leaving a legacy? What do you value most? What have you dreamt about? Were these your goals ten years ago? And what changed?”
From clients’ answers and Bob’s analyses of their balance sheet and income/expense statement, he creates a financial strategy with multiple scenarios to highlight possible outcomes and cash flows. His plan might include retirement planning, liability management, asset allocation analysis, stock option analysis, college planning, and more. Bob finds that only after extensive planning can he deliver an accurate recommendation on how to invest a client’s assets.
Whether serving accomplished executives, entrepreneurs or long-time consultants, Bob focuses on what brings clients fulfillment and joy – achieving philanthropic goals, supporting their communities, or spending long overdue time with the people they love. Bob explains, “Clients’ lives dictate their balance sheets, circumstances and visions. That’s why we talk casually and frequently, to align distinct aspects of their strategies with moving parts in their lives.”
In addition to risk-managed investing – in which Bob relies on the firm’s Research Investment Committee and Chief Investment Office – Bob offers a level of credit and lending service that clients typically expect from a personal banker. Through Bank of America, N.A., Bob gives clients access to residential, securities-based and commercial real estate banking, as well as investment banking and structured credit.
Ultimately, Bob’s goal is to help clients understand the risks they take financially and externally – the kind that can affect their immediate and long-term wealth. Showing clients that “how they own high-quality assets” is critical, Bob works closely with clients’ CPAs and attorneys to align tax minimization and estate planning strategies. He also calls upon specialists to discuss wealth structuring, long-term care, liability and medical insurance.
An 19-year cancer survivor of Non-Hodgkin’s Lymphoma, Bob volunteers for the Leukemia and Lymphoma Society and co-founded the San Francisco Relay for Life. Bob and his wife, Melissa, live in Walnut Creek with their children, Sarah and Eli. In addition to managing Sarah’s Little League softball team, Bob volunteers at Parkmead Elementary School and is an active parishioner at St. John Vianney Church. Bob earned a Bachelor of Science degree in Finance from the University of San Francisco.
University of San Francisco
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.
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Bank of America, N.A.
ISG Portfolio Strategist
Senior Wealth Management Lending Officer
Bank of America, N.A.
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.
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