Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Keith has been a financial advisor since 1987, joining Merrill Lynch 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 Lynch 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 monitored in strict adherence to the strategies agreed upon together.
One of the advantages of working at Merrill Lynch is the ability to leverage their vast resources and technology to identify and monitor best of breed asset management firms that we believe are most suited to your situation. We consider our own history with these portfolio managers, along with Merrill Lynch’s due diligence efforts, before making investment recommendations. The portfolio managers entrusted with your assets are continuously monitored and evaluated by Merrill Lynch 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 and holds a leadership role in coordinating Managed Accounts for the Merrill Lynch branch.
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
Our experts examine the forces that are changing the world – and how they may impact your life
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.
Retirement Plan Specialist
Senior Wealth Management Lending Officer
Bank of America, N.A.
We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to 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.
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It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click
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Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income
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 Wealth Management 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.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, 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.