Bret is a Senior Vice President, and Senior Financial Advisor, who joined Merrill in 1995. He graduated from the University of West Florida, in 1986, with a Bachelor of Science in Accounting and a Minor in Finance. Prior to joining the Merrill team, he worked as a staff accountant with Deloitte Haskins & Sells, now Deloitte Touche, in public accounting, and as an insurance agent / investment advisor with Northwestern Mutual. Bret's experience enables him to understand the client's individual, family and/or business needs and concerns and develop a long term strategy for ultimate growth, preservation and transfer of assets. He believes this is best accomplished through the resources of Merrill and working closely with the client's attorney and CPA. This is vital in helping the client maximize tax efficiency and secure financial stability. Bret and his staff can help with a broad range of financial services including but not limited to: Investment management, Retirement planning, Trust and estate planning strategies, Wealth preservation & insurance planning, Liability management, Strategies for concentrated equity positions, Business & Retirement Plans. Bret is a native of Pensacola. He and his wife Susan live in Pace and have two grown children. They are active in the community with their church and not-for-profit organizations. *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. *Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation.