Steven Spring has been in the financial services industry since 1991 and with Merrill Lynch Wealth Management since 2000. Steven's approach to Wealth Management is consultative. He takes the time to listen and review the client's current financial situation, keeping in mind concerns, preferences, and goals. He offers recommendations for asset allocations* designed to reflect each client's income and growth expectations. Steven takes into account the client's complete financial life, including insurance, debt, education planning, wealth transference, and philanthropy. After putting a plan into place, he will then follow up with the client throughout the year to review performance and to help make sure he continues to track changes that inevitably occur in the client's total financial picture. Steven holds a CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Board of Standards, Inc. *Asset allocation, diversification and rebalancing do not assure a profit or protect against loss in declining markets. *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete a CFP Board's initial and ongoing certification requirements.