My industry and market knowledge has been honed as an institutional fixed income trader and investment portfolio manager at major Wall Street firms throughout my career.As a Merrill Senior Financial Advisor, I offer financial advice and guidance to corporate clients, individuals, and their families.  My goal is to customize investment ideas, for the client, geared towards increasing investment income, finding tax efficiencies, and preservation of capital and growth.  Earlier career experiences focused on in-depth analysis of fixed income investment management strategies and structures.  I am confident these experiences offer each client a qualified viewpoint in working on investment for retirement and other long term goals.Managing one's savings in retirement is a challenge we all face today, as well as, the high cost of education.  Having four children graduated from college, it's clear my own personal financial goals for retirement savings and managing college expenses are aligned with those of each client.*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.