Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
When longtime clients thank me for advice I offered when their kids played t-ball (and have since graduated college), I’m reminded of the life-changing role that a financial advisor can have.
For me, it’s about more than managing clients’ money. For affluent individuals, retirement plan sponsors and non-profit organization, it’s about managing their expectations – helping them set realistic and meaningful financial goals, and crafting multi-pronged strategies that put their wealth to work.
The clients I serve are very much like me. They read quite a bit, they have opinions, they’re hardworking, and they care deeply about their families and employees. In addition to successful corporate executives, attorneys and physicians, I serve foundations and business owners (along with their retirement plans).
With business owners, I’ve worked from the startup of an enterprise, through its maturity, to a possible sale – crafting strategies that may include investment and cash management, short and long term financing (for the business itself and commercial real estate), as well as succession planning.
For all clients, I find that a valued wealth management experience rests squarely on a foundation of trust, integrity and authenticity. Just as important is having consistent and clear communications with clients in which I work with both spouses and yes, even divorced couples where both parties have remained with me. The relationships I have with clients, their families, employees, and their referred friends and colleagues tell me I’m doing my job well.
A hallmark of my approach is caring about clients like I do members of my own family. I welcome the opportunity to assist you with the same measure of concern and consideration.
I characterize my focus as “The Business of You.” Why? Because I want to help guide you toward positive outcomes that bring fulfillment to years of hard work. The way I see it, the health of your wealth requires my ongoing attention to key ingredients that can determine the quality and stability of your lifestyle going forward.
As a longtime student of the investment markets, I believe in modern portfolio theory – put simply, diversifying your portfolio across asset classes, based on the firm’s research, my own, and external sources. For many clients, I make a special effort to help them benefit from upward momentum in the markets and a reliable stream of income that can last a lifetime.
Beyond investments, I can examine your liabilities and use of credit. When helpful, I can provide you with access to residential, commercial and securities-based lending through specialists at Bank of America, N.A. I also look at areas that may have been ignored by a previous advisor – various forms of insurance, for example. To help ensure that your strategy is working on all cylinders, I can construct wealth transfer, tax-minimization and estate planning strategies that align with – and streamline – the efforts of your CPA and attorney.
After working at other leading financial institutions, I decided to move to Merrill Lynch – the firm I strongly believe continues to be the very best on Wall Street – a company with unsurpassed research, resources and technology.
To serve the best interests of you and your family. I make it my business to:
• Know your situations, ambitions, and emotional triggers. Your finances should not make you lose sleep. When I’m confident about the strategy we’ve agreed upon, I’ll explain why you should feel comfortable following it, especially during periods of market volatility.
• Speak with as many family members as possible (with your permission) – to appreciate the goals and concerns of multiple stakeholders.
• Educate in meaningful ways. You should know what you own and why. You should also understand your role in staying disciplined and avoiding emotional decisions. I’m not here to impress you. I’m here to create the highest probability for you to enjoy the outcomes you envision.
I enjoy helping accomplished business owners, accomplish more.
The vast majority looks out for their enterprises and families – seeking to minimize tax consequences, defer income (for themselves and their employees), retain key employees, and select the ideal building blocks for a group benefit plan. A typical plan sponsor seeks greater cost efficiency, more investment choices, improved employee education, and more reliable guidance on government regulations than they’ve received previously.
Over the years, the area for which I’ve received the most referrals is helping business owners and plan administrators navigate the selection and implementation of group retirement plans.
To reflect my devotion to educating plan sponsors and helping them uphold their fiduciary responsibilities, I’ve received an exceptional level of training. In fact, I am one of a small handful of Merrill Lynch advisors to hold the Certified Plan Fiduciary Advisor (CPFA) designation, the C(k)P® Certified 401(k) Professional Designation, and the title of Retirement Benefits Consultant (RBC).
Many plans I review were designed years ago, perhaps, at a start-up phase. Clients often pay more than necessary, for fewer benefits. Upon examination – and thanks to our firm’s powerful platform – I can often help reduce costs while delivering a high-caliber client experience for principals and employees. In addition to my knowledge and skills, I will deliver the resources and thought leadership of Bank of America Corporation and its affiliates. This comprehensive approach can help you provide a strong, healthy and fully compliant program that runs smoothly, engages employees, and simplifies your role.
Through Merrill Lynch Fiduciary Plan Services1, we will accept ERISA 3(21) fiduciary responsibility2 for investment advice and recommendations made in the best interest of your plan Investment Policy Statement (IPS)* and investment menu design based on your plan goals and participant needs3. We can also provide comprehensive due diligence processes to identify appropriate investment opportunities, as well as proactive delivery – online or through me – of in-depth investment performance reporting each quarter.
In addition to coordinating with you, I will suggest enrollment meetings with your employees and one-to-one meetings with them, thereafter. Our firm’s resources and expertise are designed to help meet your employees’ financial needs in ways that make sense for your company — strategically, operationally and financially.
I believe that “going the extra mile for clients is never going out of my way.”
To that point, I devote myself to providing a consistent and collegial wealth management experience in which my energy and authenticity characterize each interaction. My familiarity with clients and my ability to explain risks, trade-offs and what the future may hold – are critical to the value I hope to deliver.
From the outset of each client relationship and over its course, I ask questions that provoke discussion. What’s on a client’s mind and in their heart? What keeps them up nights and inspires them the next morning? What did a previous advisor ignore? And why are we sitting together now? I want to know the “real-life” issues facing clients, rather than the dollar figure they hope their portfolio will reach. What about monthly expenses when their kids go to college? And what if elderly parents need to move in?
One thing I believe clients appreciate is that I work with fewer of them and prefer to do more for each – to dig deeper and maintain frequent contact. I also help clients “see around corners” at likely and unlikely circumstances, which reflects my proactive, pro-client philosophy. My insurance background tells me to help clients plan and prepare for what they may encounter down the road.
• Enjoy serving as a “sounding board” for clients. Many of them run companies or foundations. I’m happy to provide a “second opinion” on a range of situations.
• Focus closely on the flip side of clients’ balance sheets – their liabilities and use of credit – providing access Bank of America, N.A. for residential, securities-based and commercial lending solutions.
• Can coordinate with clients’ CPAs and attorneys – to align tax-minimization, gifting, business succession and estate planning strategies.
Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
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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, we can help you create a financial strategy that reflects your personality. Only then can we 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.