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At Goldman Sachs in 1996, Joe began his career in Fixed Income, followed by his tenure at DLJ in Fixed Income under the number two ranked Institutional Investor High Yield Bond Research Analyst. Here, too, he was an Institutional Equity Trader.

At Greenwich Associates—a leading Investment Advisors to Pension & 401(k) Funds, Foundations and Endowments, Private Wealth, and Corporate and Government entities, Joe consulted to Institutional Investors/Plan Sponsors regarding Investment Managers’ performance. Subsequently, as a consultant to S Plus (the Statistical Analysis Software Company based on the eponymous Bell Labs’ software language), he helped create a Fund of Funds Portfolio Management Platform that moved beyond Normal Distributions, VaR and Sharpe Ratios to Stable Distributions, ETL (Expected Tail Loss) and STARR Ratios.

Prior to joining Merrill Lynch Wealth Management, Joe Re-Engineered Merrill’s Investment Manager Due Diligence process. He, too, consulted to Merrill Lynch Wealth Management and other Investment Managers on Portfolio Optimization and Risk Management. Joe points out that “Modern” Portfolio Theory is over 50 years old and no longer ‘modern’. He believes in Post-Modern Portfolio Management, which takes into greater consideration Fat-Tailed Distributions, (Black Swan Events/Financial Crisis), Robust Correlations, Absolute Return and Risk Adjusted Return Measures that post-date the Sharpe Ratio. He works with accredited investors on Alternative Investment strategies such as commodities, hedge funds, private equity, managed futures portfolios and real assets for true diversification.

Previously, Joe served as a Naval Officer where he was awarded over ten medals and personal decorations including the Navy Commendation Medal during the Persian Gulf War and the Humanitarian Relief Medal during Operation Sea Angel. Joe was entrusted with a Top Secret Clearance—he’s trustworthy, and, during the War, the responsibility of making life-and-death decisions in real time while in mortal danger. Later, he served on an Admiral’s Staff (Commander, Naval Base San Diego) and played All-Navy Soccer in the US Armed Forces Tournament.

Although admitted to Harvard Business School and Wharton, he chose to earn his MBA from Kellogg because he had the opportunity to live with a Forbes 400 Family. At Kellogg, he was the Aronson Memorial Scholar in Accounting and scored in the 99th percentile (760) on the GMAT. Joe earned his BA in Chemistry while completing the Navy ROTC Full Scholarship program at College of the Holy Cross in Worcester, MA. He was a four-year starter and four-year letterman on the Varsity Soccer Team where he was voted Varsity Captain and selected to the NCAA Division I All-Conference Team.

In memory of his late father—a New York City teacher of 30 years, Joe founded MBA Corps, a 501 (c) 3, tax exempt, non-profit corporation that assists small business owners in creating jobs in economically depressed and asset depleted communities. Joe’s Philanthropic activities also included the Executive Council of Silver Shield Foundation (founded by George Steinbrenner, former principal owner of the New York Yankees), the Principal’s Health and Safety Committee of his children’s grammar school and the District PTA Scholarship Committee. He, too, is past president of the Kellogg (Northwestern University) NYC Alumni Club, past president of the NYC Business School Alumni Clubs Association, and a past member of the Business Round Table for the President of United States’ Digital Freedom Initiative.

Joe focuses on providing investment consulting and wealth management services for Ultra High Net Worth Families and Individuals, Family Offices, Business Managers for A-List Talent, Multi-family Offices, Foundations & Endowments, Corporate Pension Plans and Non-Profit organizations focusing on long-term wealth accumulation and preservation. His goal is to ‘Bring the Discipline of Institutional Investing to Individuals’ and other entities that do not enjoy the generous staffing of Ivy League Endowments. At the end of the day, his intention is to keep ‘the Rich’ rich. His approach is to gain a keen understanding of one’s current financial state and one’s future aspirations across all aspects of one’s personal life, investments and business interests. He then tailors a plan—elegant in its simplicity, using access to a full suite of sophisticated strategies and timely tactics. Essentially, he delivers a simple solution on top of a high resource base --based upon the client’s risk tolerance, time horizon, liquidity needs and overall investment goals. Joe believes in becoming an essential financial steward, a true team member and truly valuable problem solver. He focuses on helping identify issues, organize, optimize and simplify financial lives to allow clients to maximize their financial well-being and quality of life.

How is this done? Through optimizing an objective function: Minimizing Fees and Taxes while Maximizing Risk Management, Investment Performance, and True Diversification—as correlation, which drives diversification, is a dynamic variable, not a constant as is widely believed.

Joe lives in New York with his wife, two children, and his trusty dogs—Biscuit, Belle and Bear, a golden retriever, yellow lab and mix, respectively.

Range of Services

We provide access to a range of services that reflect the needs of ultra-affluent individual and institutional clients:

ATM Access through Bank of America, N.A.
Checking from Bank of America, N.A.
Credit Cards from Bank of America, N.A.
Securities-Based Lending
Residential Real Estate Lending from Bank of America, N.A.
Structured Lending:
-Yachts/Marine Vessels
-Hedge Funds
-Fine Art
-Investor Commercial Real Estate
-Recreational Real Estate
Asset Allocation, reviewing, reporting
Traditional Investment selection and management
Alternative Investment selection and management
Private Equity
Hard Asset Management: Real Estate, Timer, Oil & Gas
Bank financing management through Bank of America, N.A.
Liability and Insurance oversight
Life Insurance
Integrated Lifetime/Estate Planning Services/Succession Strategies
Trust structures and administration, compliance and reporting
Philanthropy: integrated charitable plans and family foundations
Access to Family Office Services
Access to Concierge Services: travel, domestic staff management, elite services
Cash Management
Cash flow management: bill payment
Special Transactions e.g. Rule 144 Sales

1042 Exchanges: Qualified Replacement Property

Equity Compensation Plans
Non-Qualified Deferred Compensation Plans
Defined Contribution Plans
Defined Benefits Plan

*Asset allocation does not ensure profit or protect against loss in declining markets. 

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

*NMLS ID 579923 

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.

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.


    College of the Holy Cross

    Kellogg, Northwestern University

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life


Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.


Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

I believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.


I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.


My mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you’d like it to be tomorrow. I help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. My approach is to focus on potential solutions that can help turn goals into reality.

Staying on Track

We understand that both your life and the financial markets can change over time. By 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.

Reviews to help you
stay on track

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.

    Changes in your life
    and to your goals

    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

      Let’s Have a Conversation

      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.

      Why Merrill?

      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.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      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.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.