I have been with Merrill since 1977. My business has evolved to the area of retirees and clients over 50 years of age. To that point I have earned the Chartered Retirement Planning Counselor designation. My approach to investing is first, to determine what type of investments clients are comfortable with. Next, provide specific investments that are appropriate for the client. Then, using a computer generated method, continue to review those investments. I provide timely reports that illustrate how clients are doing relative to their goals. I earned my MBA degree from The University of Chicago Graduate School of Business, now named the Booth School of Business. My undergraduate degree in finance is from De Paul University in Chicago. I live in Chicago with my wife and our children are grown. *CRPC and Chartered Retirement Planning Counselor  are registered service marks of the College for Financial Planning.