I've always been a "belt and suspenders" advisor who focuses on managing risk across distinct aspects of a client's financial life. I'm determined to help clients preserve assets, make wise decisions, and look ahead – toward likely and unlikely circumstances. For more than 25 years, I've served a loyal and select circle of client families. I use the term "families" because I enjoy treating them like members of mine. In 2008, I joined Merrill for the vast resources I could bring to the table. I augment our firm's research by reading avidly on investing, markets, and economies.  WHO DO I SERVE? Corporate executives, medical and health professionals, retirees, ambitious millennials, entrepreneurs, attorneys, divorced persons and widows. For smart people who want to collaborate and appreciate the value I can offer, I'm proud to support their best interests. WHAT DO I BELIEVE? • 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. • The most viable financial strategies evolve over time and require ongoing review of a client's health and other factors. • Superior wealth management requires that I help clients sustain their lifestyles in retirement, after losing a spouse, or following divorce. • Empathetic listening is the hallmark of advising. • Be a genuine and caring person. WHAT CHARACTERIZES MY APPROACH? • Being a proactive liaison between clients and specialists at Bank of America  • Offering input without dictating. I respect clients and their decisions. That's why I tailor each strategy to allow for as much input as a client wishes to provide, • Doing the legwork – evaluating an investment opportunity, reviewing trust documents, or offering my perspective to help satisfy a client's wishes for children and grandchildren.