Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
I focus on delivering a comprehensive approach to managing wealth that begins with listening to a client’s needs and helping to ensure every strategy is grounded in understanding what each client wants to achieve. I provide access to the investment insights of Merrill Lynch and banking convenience of Bank of America to help address the various aspects of clients’ financial lives. I am driven by my passion for delivering excellent service and helping clients pursue their goals.
Since 1986 I have been assisting clients with all aspects of their financial concerns, from:
• Retirement planning
• Business strategies planning
• Insurance needs
Over a quarter of a century in bull and bear markets. These experiences have led me to better understand that every client’s needs and objectives are different and that there is certain fluidity to them over time. So, the most important meeting we’ll have is the first meeting to ascertain:
• Your objectives
• Your risk parameters
Throughout our relationship we will continue to monitor together your objectives and risk parameters to make sure that the course of action we are undertaking is the correct one for the current times.
Client services are geared towards:
• High Net-Worth US domestic clients
• Domestic (US) entities.
• US Corporations and Institutions
• High Net-Worth Non-Resident Clients
• Offshore entities
• Personal Holding Companies
• Offshore Financial Institutions
MANAGING YOUR MONEY
How involved do you want to be in the day-to-day management of your portfolio?
Some investors want to approve each of their Financial Advisor’s recommendation. Others prefer to set an investment strategy but leave the details to their Financial Advisor to implement.
Regardless of your approach, there is a managed service for you. Further I can accommodate your approach with ongoing advice and guidance.
I am a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing my own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Portfolio Manager may manage his strategies on a discretionary basis.
As a Portfolio Manager I manage most accounts following three distinct portfolios:
1) The “growth portfolio” -
is composed mostly of large and mid-caps stocks and/or Exchange Traded Funds (ETF's), both value and growth securities are selected from the recommendations of Bank of America Merrill Lynch Research. My objective for the “growth portfolio” is growth through quality holdings, attempting to; minimize risks, preserve capital and profits. I apply a series of filters based on both fundamental and technical analysis. No speculation.
2) The “income portfolio” -
will be either ‘tax-advantaged’ or taxable depending on the objectives of the client. Here again an emphasis will be placed on the quality of holdings. Depending on market conditions and the yield curve, maturities will be adjusted to accommodate the objectives of the client.
3) The “balanced portfolio” -
is naturally a combination of the growth and the income portfolios. The actual distribution of growth v. income securities will be done on an individual basis with each client.
University of Miami
We along with your tax professional can help you understand how it might affect your investment strategy
Supported by the global resources of Merrill Lynch, 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 Financial Advisor if you have questions about how a specialist might be able to assist you.
Director, Retirement Plan Manager
Wealth Management Lending Officer, NMLS #30937
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 give you peace of mind* that you're on track to help achieve what's most important to you.
We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.
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.
As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
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.