Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
400 CHESTERFIELD CENTRE
CHESTERFIELD, MO 63017
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In sixth grade, Pat began working alongside his dad at their family’s grain company. While Pat recalls the long hours, his strongest memory was that of his grandparents whose retirement years were cut short by the need to continue working after their savings had run out.
After college, Pat returned to his dad’s company. In 1984, he joined Merrill Lynch Wealth Management and never looked back.
Today, Pat serves a loyal circle of C-suite and other corporate executives, professional partners, business owners, individuals who inherit wealth and generations of families in 22 states. Many came to Pat to retire comfortably – or stay retired – without running out of money due to inflation and other circumstances. To help enhance their financial and emotional wellness, Pat aims to bolster distinct aspects of their financial picture – with customized retirement and education planning, risk-managed investing, cash management, and access to credit and lending through Bank of America, N.A.
Pat finds his rigorous industry training has given him the techniques and tools that continue to benefit clients. He is a CERTIFIED FINANCIAL PLANNER™ professional, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He also holds the Chartered Retirement Planning Counselor designation. A lifetime learner, Pat continues to attend IRA seminars.
Asking questions of clients at the outset and throughout each relationship, Pat is able to learn what a previous advisor did not, “What’s your comfort level with investing? How do you feel about your portfolio? What if you become disabled? What if your spouse becomes ill? What do you envision for your retirement? What about helping your children – or a non-profit? Have you considered a trust, long-term care or another form of insurance?”
Conferring with both spouses when possible and entire families when helpful, Pat is able to facilitate meaningful conversations, identify the goals of all stakeholders and show charts on the value of “time in the market, rather than timing the market.”
Using Merrill Lynch Wealth Management research, Pat helps clients manage risk and expectations by crafting portfolios diversified across asset classes including blue chip stocks with rising dividends that Pat says, “Can help younger clients build wealth and help older clients stay wealthy.” Customized retirement income planning strategies come with Pat’s reminder that “no plan should be left behind or on its own.” To align tax minimization and estate planning strategies for clients, Pat coordinates with their CPAs and attorneys.
A proud father of three grown children, Pat is a former Lay Co-Chair Southwest Deanery for the Annual Catholic Appeal Archdiocese of St. Louis, President of Sacred Heart of Valley Park Catholic Church Parish Council and the two-time President of The West St. Louis County Chamber of Commerce. Pat was also awarded a Certificate of Appreciation from The United States Senate in 2002. Pat resides in St. Louis where he enjoys jazz, country music, hiking, swimming, strength training, the Cardinals and Kansas State football and basketball.
Kansas State University
Personalized advice, disciplined investing and ongoing review can make this a reality.
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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*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. Merrill Lynch Wealth Management 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 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.