How can I be of service to you and others to help improve your quality of life?  That is a question I ask every day and encourage my three teenage children to embrace.  My life mission is to positively affect the lives of the people I am in contact with whether it be through a smile, a “Thank You” in appreciation of others, or through service to others.  At the heart of my philosophy is a passion to build enduring client relationships by listening and understanding an individual’s needs and aspirations.  With over 30 years of experience in the financial services industry, I am able to use the resources at Merrill to develop a personalized strategy that helps to define and accomplish goals. I am dedicated to providing clients with the finest individually tailored approach to financial strategies.  I advise clients on wealth accumulation, preservation and transfer through the creation of customized wealth management strategies. This process includes portfolio development, liability management, tax minimization, and asset preservation with a specific emphasis on helping to assure a lifetime, retirement income stream. I enjoy working with business owners through all stages of the business cycle, by providing strategies for cash management, group benefit plans, and ultimately succession planning. Business owners have unique needs to defer income for themselves and their employees, and our offerings enable them to select the best combination of plans. Customized Wealth Management Planning includes: - Asset allocation, security selection and periodic review - Cash flow and Liability management - Education funding strategies - Retirement planning and Distribution analysis - Individual wealth preservation and insurance planning strategies - Trust and Estate planning services -working with tax accountants and attorneys - Business retirement solutions -401k, Transition planning, Lending When I am not in the office I enjoy skiing, boating, and traveling with my husband and three children who are all very active in and committed to our community. I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.