I like to start most client conversations by asking, "What's on your mind?" At first, asking a client to share aspirations, family priorities and important financial goals may feel uncomfortable. But I listen without being judgmental and can offer perspective through the ups and downs of the markets. I take great satisfaction from assisting people from nearly all walks of life with financial strategies that can help them address the needs of those they love. I'm a big believer in helping you define several types of financial goals. Some, such as educational funding and retirement income strategies may be high priority for you. Others, such as financing a vacation home, building business liquidity or creating a legacy, may be more ambitious. Whatever may be on your life's "to-do list," my team and I can offer a disciplined approach to help you pursue each of your goals. Working together we can help you chip away at your goals, breaking them into simpler, more productive steps to follow. We can also assist you by creating a personal timeline, detailing which actions to take when, to help make every day count in pursuit of your goals. Is working with a financial advisor for you? My advice is to consider the value of wealth management planning as practiced by my team at Merrill. We offer individualized financial strategies that can be focused on multiple goals, both long- and short-term, at the same time. How you work with us is flexible and your relationship can be designed with interactions according to your needs. And when changes in your life occur, our supportive team is committed to helping you make adjustments to your strategy or reprioritize your goals to help keep them aligned to your current situation. It's my belief that the personal attention we offer and the cumulative effect of the many things we do together – large and small – are designed to help you pursue what you most value in your life.