Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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.
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 CounselorSM (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 Lynch 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 Lynch 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
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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.
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.