Profile

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.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*Merrill Life Agency's California License Number 0522776 

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*The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of BofA Corp. This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available.

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.