I work with Private Business Owners, Real Estate Investors, Corporate Executives, Attorneys, Financial Service Professionals, Technology Professionals, Retirees, and next generation family members My value proposition is to leverage 30 years of broad based financial markets experience and extensive financial products knowledge (equities, fixed income, and alternative investments) to construct client specific financial plans, asset allocation strategies, and to build portfolios of appropriate investments. My process incorporates a thorough understanding of my clients financial life by reviewing with them their financial risk psychology, assets, liabilities (current and future), income, savings rate and efficiency of their savings looking at type of accounts being utilized, investment income requirements (if appropriate), and retirement planning. This is a dynamic ongoing process that is constantly monitored and adjusted if necessary. Utilizing Morgan Stanleys vast capabilities and intellectual capital we provide Estate Planning strategies, and Life Insurance solutions.