Objectives -- Helping clients define and achieve specific financial goals using appropriate growth and income strategies developed through an integrated-service approach to personal finance. Education -- West Chester State University, B.A. English Literature, magna cum laude, 1972. Experience -- Joined Merrill Lynch Wealth Management in November, 1976. Steve has extensive training and 45 years experience in securities related products and services, including taxable and tax-free income; growth stocks; retirement accounts and investment services; cash management; estate and trust services; full corporate and business services; life insurance, long-term care insurance, annuities, and professionally managed investment programs. *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. 