Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
In 1984, I moved to Massachusetts from India, where I was an accountant. Launching my career in the U.S. as a teller, I was soon promoted to assistant branch manager. In that role, I came to appreciate the need to bring clients a coordinated offering of appropriate services and solutions. After working at Quick & Reilly as an investment representative, I became a financial advisor at Banc of America Investment Services, and since 2009, at Merrill Lynch Wealth Management.
Over the years, I’ve honed my skills as a resourceful, “hands-on” financial advisor that sees clients as people with distinct needs and ambitions. I need to understand who they’re taking care of, their primary concerns and most cherished goals. I also examine clients’ beneficiaries, wills, powers of attorney, and other documents. I hold the Chartered Retirement Planning Counselor (CRPC®) designation from the College for Financial Planning.
When it comes to investing, each client’s comfort with risk, need for liquidity, and other factors drive my efforts. Using Merrill research, I build investment portfolios designed to help clients pursue long-term goals – for themselves and loved ones. Beyond investments, I craft retirement and education planning, liability management, and tax minimization and estate planning strategies. I remind clients to save money when possible, and, especially, to follow the strategy we’ve agreed upon.
As a business owner myself, I hold hardworking clients in high esteem. Virtually all have been with me for more than five years or referred to me recently. They reside here in Worcester, throughout Massachusetts and in seven other states. Among them are active and retired business owners, widows, and others for whom my personal demeanor and desire to enhance distinct aspects of their financial pictures are at the foundation of my offering.
Having raised three children (who’ve graduated from fine institutions), it’s natural for me to look out for clients’ kids. My children have investments and I believe that clients’ children should, too – as an educational tool that teaches the value of developing wise financial habits. In addition to meeting with clients frequently, I enjoy sharing financial lessons with clients’ children. As a caring parent and financial advisor, my roles often intersect.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
Govt Senior High School
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.
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.
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 approach, our goal is to help you stay on track to achieve what's most important to you.
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.
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
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.
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.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.