Margaret currently works as a Wealth Management Advisor in the Houston Downtown Merrill Lynch Wealth Management office, where she focuses on total wealth management and provides solutions for personal and business finances, as well as foundations and endowments based upon the client’s risk tolerance, time horizon, liquidity needs, overall investment goals and costs associated with the recommendation. Margaret has a defined process by which she works with each client. She insists on understanding the specific situations of the people she works with; thereby being able to establish objectives, develop an appropriate strategy, recommend solutions, and review the progress we are making together toward reaching those goals and objectives. With Margaret, clients can expect to receive personalized advice and access to the specialized investment services required by sophisticated investors. Margaret meets regularly with clients to help ensure their financial lives are consistent with their current circumstances. Margaret is a graduate of the University of Texas and has been in the financial services industry with Merrill Lynch Wealth Management since 1997. Margaret holds a Certified Investment Management Analyst^®, CIMA^® designation from The Investments & Wealth Institute^™ (The Institute) and taught in conjunction with The Wharton School of Business and is recognized as a CERTIFIED FINANCIAL PLANNER^™, CFP^® professional by the Certified Financial Planner Board of Standards, Inc. Margaret is active in numerous charitable organizations in the Houston area and is honored to have received the Merrill Lifetime Community Achievement Award in 2002.