Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
Keith has been a financial advisor since 1987, joining Merrill in 2005 after a number of years with another financial services firm. He works with self-motivated entrepreneurs, professionals, and affluent individuals and their families, to help develop strategies that can withstand a variety of market conditions.
Additionally, Keith focuses on Retirement Planning upon recieving his Chartered Retirement Planning CounselorSM (CRPC®) designation. Specific preparation for retirement issues are examined to evaluate the design of your plan and to help ensure it is the optimal retirement plan for your specific lifestyle.
The wealth management process we undertake with clients is designed to help them feel confident about being able to maintain their lifestyle and meet their goals. Crucial to this process is obtaining an in-depth understanding of client needs, wants and goals, and especially their tolerance for risk. My experience over the past several years has been that clients tend to overestimate their tolerance for risk. We utilize several sophisticated Merrill tools to carefully gauge clients’ risk sensitivity and then incorporate that into the customized strategies we create for them.
Along with our professional approach, we bring organization and discipline to family finances. When clients grant us permission we can proactively work with their professional team of lawyers and accountants, facilitating estate planning services or documentation needed for a variety of business and personal transactions. The significant time individuals would normally devote to managing their finances and investments can be spent on other pursuits they enjoy – knowing that their investments are being reviewed in strict adherence to the strategies agreed upon together.
One of the advantages of working at Merrill is the ability to leverage their vast resources and technology to identify and track best of breed asset management firms that we believe are most appropriate to your situation. We consider our own history with these portfolio managers, along with Merrill’s due diligence efforts, before making investment recommendations. The portfolio managers entrusted with your assets are regularly reviewed and evaluated by Merrill professionals along with our own highly focused and disciplined oversight. Should any changes to your asset allocation or investments become warranted, whether they be short-term or long-term in nature, we will fully discuss those recommendations with you before any decisions are made, making sure you are comfortable with the changes.
Keith is a graduate of the University of Maryland and received his M.B.A. in finance from the University of Baltimore. He lives in Owings Mills, MD, with his wife and has two adult children. He is active in the Maryland Bond Club.
*Asset Allocation does not ensure a profit or protect against loss in declining markets.
*Chartered Retirement Planning Counselor℠ and CRPC® are registered service marks of the College for Financial Planning.
University of Baltimore
University of Maryland
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.
Employee Benefits Specialist
Bank of America, N.A.
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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