Your financial life is about more than just numbers on a page. It’s about having an enjoyable retirement, providing for a child’s education, or realizing your family’s hopes and dreams for the future. That’s why you deserve an experienced team on your side who understands that financial planning is about more than investment ratios and interest rates. It’s about your life and your family’s well-being.With more than 30 years of experience, I focus on creating custom financial planning solutions for professionals, small business owners, and families.With extensive experience and a client-centered approach, I build financial strategies that are tailored to meet each client’s unique needs and objectives. Committed to a high level of communication with clients, I focus on understanding their goals, anticipating their needs, and returning every client phone call by the end of the day. Outside of the office, I reside in Naples, Florida and Clinton, New York with my wife Christina. Active in my community, I am a former board member of the SUNY Utica College Advisory Board and served as Vice President and Treasurer of The ARC of Oneida-Lewis County, a community-based disability rights organization. For a second opinion about your investments or objectives, email me at David.R.Scharf@morganstanley.com.