I’ve been fortunate to serve a growing number of clients in the Garden City area and across the country. Among them are active and retired physicians, entrepreneurs, executives with concentrated stock, widows, and others I call “millionaires next door.” Clients have been diligent in their careers and devoted to their families. Most are enjoying, or looking forward to retirement. My job is to formulate risk-managed investment strategies based on multiple analyses and conversations. Generating reliable income is often not enough. Growth of retirement-designated assets is critical, as are thoughtful strategies for taking Social Security benefits. WHAT’S MY APPROACH? • I treat clients like family and find that many clients do the same. • Whether clients and I meet in my office or their home, I bring a folder with notes about each conversation. Referring to it helps us review ground we’ve covered and where we need to go next. • I work to appreciate what “makes clients tick” and, if anything is keeping them up at night. WHAT DO I BELIEVE? • Clients should know what they own, and why. My transparency and integrity are important to me and them. • Clients can benefit from the access I provide to securities-based, commercial and residential lending, through Bank of America N.A. I also coordinate with clients’ CPAs and attorneys to align tax minimization and estate planning strategies. WHAT MAKES ME PROUD?• Volunteering as a Lieutenant in the Garden City Special Police and receiving its Medal of Valor for helping others during Hurricane Sandy. • Serving on the Business Advisory Council of Molloy College.• Celebrating with clients at special occasions. It’s fulfilling to help good people enjoy life’s rewards. Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors