Philosophy

Everyone’s economic and life situation is unique, and I keep that in mind when providing financial advice. We live in a world that's constantly changing. Markets can fluctuate frequently. Potential investment opportunities can arise daily. That's why I believe that you and your situation are the best starting points from which to help plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because by understanding you and your priorities, I can more effectively offer my experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

I follow a three pronged goals based approach to manage and preserve your wealth.

1. Understanding your Life: I believe an effective approach to wealth management requires working closely with you to understand your current financial situation and help you identify and define your goals. My job is to first understand what matters most to you. We will work together to create a financial approach that reflects your risk profile and investment personality, and is built around your life priorities.

2. Your Financial Strategy: Defining and prioritizing your goals, liquidity needs, risk appetite and time horizons will enable us to develop a financial strategy aligned with what you and your family want to achieve. This includes identifying an appropriate asset allocation that is in line with your risk tolerance and structuring a diversified investment portfolio that will help us meet your long term objectives.

3. Staying on Track: In addition to reviewing portfolio performance on a regular basis, we will jointly review progress towards each one of your goals and modify the financial strategy as needed to help ensure that we are on track to meet your goals. The review meetings will serve as an opportunity to discuss recent life events, review concerns and goals, measure progress to your goals, and adjust your investment portfolio, if necessary, based on market changes or changes to your goals and priorities.

Once I have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, I will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. I draw on many experienced investment professionals at Merrill to deliver insights that help you maintain a long-term focus while taking advantage of short-term opportunities. Through the Merrill Investment Advisory Program I offer custom strategies that deliver an appropriate balance of risk and reward, comprised of investment fund and manager offerings that have undergone a thorough evaluation process before they can be included in your portfolios. Leveraging the intelligence provided by BofA Global Research, I can identify and screen many types of products and strategies from hundreds of available institutional and professional options. And all my actions are grounded in a deep understanding of what matters most to you and complemented with regular review. I believe this approach will give you the power to help you meet your goals.

*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 equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. 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.