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I have been working at Merrill Lynch Wealth Management and The Ruben Group since 2014. In earning the designation of CERTIFIED FINANCIAL PLANNER certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc, I am responsible for working with clients on their planning and investment manager research. We employ a Goals Based Management approach to our investments which is about helping our clients define and clarify their goals in a measureable way. By going through this process, we will be able to project their current and future cash flows against their defined goals and expenses. This will enable us to better determine the appropriate amount of risk that they need to take within their portfolio to help enhance their probability of meeting these goals over time. *Certified Financial Planner Board of Standards, Inc. owns the certification marks CERTIFIED FINANCIAL PLANNER and CFP in the U.S.