I have focused on helping individuals and families meet their financial objectives since 1973. Through a consultative team approach with clients we jointly arrive at short, intermediate and long term financial goals. It may be a vacation home, an educational program for children or grandchildren, retirement, long term health care, or estate planning. Every client is an individual with individual needs, wants and desires. Through PNC Private Bank the team recognizes each individual and offers factual information about financial solutions consistent with their needs, wants and desires. Individuals can be at any stage of life. Clients who are beginning to achieve wealth, entrepreneurs who have had a liquidity event like the sale of a company, individuals who are retired and living off of their investment portfolios. I have experienced the setting of goals with clients and the achievement of those goals through investment, banking, fiduciary advice and planning.