Frank R. Santi Vice President Senior Financial Advisor Frank R. Santi began his financial services career in 1999 with Manulife Financial in Greenwich, CT. Prior to joining Merrill, Frank spent 13 years as Regional Vice President in the wholesale distribution of wealth accumulation, retirement income, alternative investments, college savings and legacy transfer strategies. Frank believes families and individuals should pursue their dreams and ambitions with an appropriate level of risk management. The insight and perspective from his tenure in the financial services industry allows Frank to provide clients with a goals-based investment process that goes layers-deep. Frank graduated from Western Connecticut State University in 1996 with a B.A., English and has earned the designation Chartered Retirement Planning Counselor, CRPC. Frank lives in Annapolis with his wife Cristina, their 3 children, Michael and twins Catherine and Charlie and Labrador Retriever. Disclosure: *Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment's investment objectives will be achieved. *The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor, CRPC, and the CRPC logo, and the certification marks Chartered Retirement Planning Counselor, CRPC, and the CRPC logo. 