Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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For 28 years, Michael has provided financial advice to high net worth individuals and families nationwide.  Whether you are searching for an advisor for the first time OR replacing your current advisor, consider an advisor capable, competent and credentialed to help you and your family pursue and achieve the financial priorities that matter most.  

Dedicated to lifelong learning, Michael currently holds six professional designations.  Additionally, while serving as a Portfolio Manager at Bank of America Private Bank (formerly U.S. Trust), he was entrusted with managing over $450 million in client assets from 2003-2007.  He is currently accepting new clients, so call or email him today.  

Michael's advice and guidance with planning themes include:

-Manage cash flow = maximize savings - minimize expenses   
-Minimize Income Tax and Estate Tax Planning strategies
-With the largest transfer of wealth from multiple generations, Inheritance strategies to maximize those wishes for the giver and receiver 
-Financial Literacy strategies for families with children aged 3 - 25 
-Wealth Management Strategies focused on forward looking opportunities
-Review 401 (k) and IRA assets to evaluate retirement readiness
-Helping business owners plan for the eventual sale
-Review current Insurance needs and help ensure proper coverage
-Philanthropic, Charitable and Planned giving Strategies 

Michael obtained both a Bachelors degree in Finance from the University of South Florida and a Masters degree in Finance from The College for Financial Planning. Additionally, Michael earned the Applied Behavioral Finance Certificate which was taught by professors at Duke, MIT and Yale.  Lastly, he holds several highly regarded professional credentials in wealth management planning and investment management.  He became a CERTIFIED FINANCIAL PLANNER™ practitioner in 2001, a Chartered Financial Consultant®  designee in 2002, a Chartered Financial Analyst® charterholder in 2006, a Certified Investment Management Analyst® designee in 2011, Certified Private Wealth Advisor® designee in 2017 and recently the Sports and Entertainment Accredited Wealth Management Advisor designee in 2022.

Michael lives in Atlanta with Valerie and two children - Gia and Roman. On the weekends, you'll find him supporting both children's sports interests.  He actively attends Buckhead Church, loves traveling the world and is an active member of the CFP® Board of Standards, Atlanta Estate Planning Council, the Atlanta CFA® Society and the Investments and Wealth Institute™.  Michael also serves on the Board of Directors for Cumberland Academy of Georgia - a fully accredited private school specializing in the needs of children with learning disabilities (i.e., Asperger's Syndrome and high functioning autism).





    College for Financial Planning

    University of South Florida

Additional Resources

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.

Joseph L Crews

Retirement Specialist

Bank of America, N.A.

Michael Duffy

Wealth Strategist


Lauren Galvin

Wealth Strategist


Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life


I begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.


My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Focus On Individuals, Families and Small Businesses

I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I start by getting to know you and how you feel about the following seven life priorities.

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.


I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop an approach designed to help address your financial needs.


Helping you enjoy the lifestyle you desire begins by understanding what money means to you.  Helping you articulate your purpose and priorities lead to clarity in what is most important to you.  This sets in motion the process for helping you make the best financial decisions for you and your family.

Whether considering your home, family, work, retirement, health, leisure, or giving - you have goals and concerns that are important to you.  Understanding that these priorities shift over time, the process of helping you achieve your goals includes the creation of a personalized lifestyle plan; one that maintains the flexibility needed to adapt to the inevitable changes you and your family will experience in life.

It may be time for a new approach to the journey ahead - one based on your best interests while providing you with the professional advice and personal contact and care you desire along the way.  I look forward to guiding you along this path, providing the resources needed to help you and your family connect to a better financial life. 

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.

Reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.

    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.


    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and 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 Wealth Management Advisor.

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      Transcript of Video 

      No question too big or moment too small

      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.