I manage money for people who do not have either the time, knowledge or experience to do so most efficiently for themselves.  My clients are typically high net-worth individuals (i.e. business owners, corporate executives, physicians and retirees) - or small to mid-sized companies that want to benefit from goal oriented financial planning.  Through Merrill Lynch Wealth Management I design detailed financial plans for our clients, taking into account their investment needs, their ability or willingness to assume risk, their financial situations, and any other personal considerations that might impact their investment planning decisions.  I am interested in long term relationships with clients, not individual transactions.