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- Trust & Estate Services2
- Education Funding Strategies1
Given the complexity of today’s financial services products, everyone needs a highly skilled, experienced, and empathic financial professional as a guide. I believe a trusted adviser should give clients the sense of comfort that their financial resources are on track as part of a plan to achieve a personally meaningful goal. And a trusted adviser has an on-going responsibility to serve and put a client’s interest first.
As a Merrill Lynch Senior Financial Advisor, I use our Goals-Based Wealth Management process as a focused and consistent way to define a plan of action and implement smart, effective strategies for my clients. The first step in the process is careful listening and thoroughly understanding my client’s needs and goals. Each of my clients is unique and my advice and services are personally tailored to each client. Monitoring and reassessment are crucial final steps in the Goals-Based Wealth Management process. As my client’s lives and the markets change, I help them make adjustments to their plan. I am committed to providing attentive and personalized advice and client service. My goal is have a long term relationship with my clients as that trusted adviser.
I offer both the intimacy and personalized attention of a wealth management boutique and the state of the art resources of one of the world’s largest financial services firms. I work closely with my many internal partners at Bank of America/Merrill Lynch in creating and implementing programs that build and preserve wealth and generate income.
Prior to joining Merrill Lynch, I had more than 25 years of investment management experience as a fixed income portfolio manager for corporate and union pension plans, endowments, mutual funds, insurance companies, and wealthy individuals. I joined Merrill Lynch in 2011, the same year that I passed the two-day CERTIFIED FINANCIAL PLANNER™ exam. I am now a CFP® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc.
|I have a bachelors degree in engineering and computer science from Princeton University and a MBA in finance from the Wharton School at the University of Pennsylvania. I am a member of the Estate Planning Council of Bergen County, an adjunct instructor of Economics and Finance at Fairleigh Dickinson University and I have volunteered for many years as an income tax preparer at The Food Bank of New York City. I do not provide legal or tax advice in my role as a Financial Advisor at Merrill Lynch. My wife, Vicky, and I live in Englewood, NJ where she teaches English at The Dwight-Englewood School. Our three daughters live in Boston and New York City.
*Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
University of Pennsylvania
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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, 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.