I work with affluent families and small business owners to develop and implement comprehensive financial and investment plans, create income streams for a comfortable retirement, structure investments for tax efficiency, provide for financing and liquidity management, and assist with estate planning. I focus on the liability side working with the clients to keep the investments on track while making home purchases or growing or expanding their business. The combination of Bank of America and Merrill Lynch gives us an industry-leading toolbox of financial services and research. We use these tools, but focus on the delivery of independent and thoughtful advice. We communicate frequently with clients and bring an "outside the box" perspective. We put our client's needs and interests first.