Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Accessible, knowledgeable and experienced, I am committed to building and maintaining strong client relationships. I am passionate about what I do and I bring that passion to helping every client make what may be the most important financial decisions of their lives.
In an impressive career that’s spanned decades and generations of client families, Charles puts discipline and devotion at the center of a client-centric wealth management approach. Among those he serves are corporate executives (many with stock options and concentrated stock), entrepreneurs and attorneys, retirees, ambitious millennials, independent men and women, and a growing number of divorced persons and widows.
“I’m a ‘belt and suspenders’ advisor who enjoys helping clients preserve assets and make wise decisions,” Charles explains. “I especially want to be sure that clients’ lifestyles can be sustained in retirement, after losing a spouse, or following divorce. For smart people who want to collaborate and appreciate the value I can offer, I’m proud to support their best interest.”
Charles supplements his deep experience with the many books and periodicals he reads on investing and keeping abreast of the markets and economy. Tailoring each strategy to allow for as much input as a client wishes to provide, Charles believes in practicing empathetic listening and presenting concise explanations. In doing more for fewer clients, Charles says, “There’s no substitute for face-to-face meetings, whether clients have time at 9am or 9pm. Things come up in-person that may not be revealed over the phone. Having a client’s attention – and their spouse’s – can result in more meaningful outcomes.”
Using Merrill research portfolios and selected outside managers, Charles formulates tailored client portfolios with a blend of asset classes – including equities, fixed income, mutual funds, and municipal bonds, in particular. Charles maintains that the most viable financial strategies evolve over time and require ongoing review of a client’s health and other factors.
|“Being proactive, collaborative, and respectful are cornerstones of my philosophy," Charles points out. "I offer input without dictating and respect clients’ decisions. I’m also happy to do the legwork – evaluating an investment opportunity, reviewing trust documents, or offering my perspective to a child looking at colleges. What I do is a privilege. I feel like clients and their families are members of mine. In my client relationships, I look to create a synergy."
"My whole approach is based on being a genuine and caring person.", Charles emphasizes.
Charles joined Merrill Lynch Wealth Management in 2008 for the vast resources he could “bring to the table.” To enhance both sides of clients’ balance sheets, Charles is an active liaison between clients and specialists throughout Bank of America N.A. Looking forward with clients to satisfy their wishes for children and grandchildren, he often works closely with Merrill Trust specialists on crafting estate-planning strategies.
Charles attended the University of Chicago. He has served a loyal and growing circle of client families for more than 25 years, at three other global financial institutions.
Charles is a specially qualified Senior Portfolio Advisor who, in addition to providing traditional advice and guidance, can draw from his experience to help clients pursue their objectives by building and managing custom investment strategies, selecting from a wide range of Merrill model portfolios and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Advisor may manage those strategies on a discretionary basis.
Charles and his wife, Diane, are proud parents of three young children – two adopted from South Korea and Russia. When he’s not chasing after them, Charles remains physically active at his local gym and practicing martial arts. Once the kids are asleep, Charles and Diane enjoy intellectual conversation, classic movies and fine dining.
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.
Ardsley High School
University of Chicago
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We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
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 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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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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 help you 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 help you 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.