MY STORY
I started my career trading bonds on Wall Street and then spent over 20 years working with portfolio managers and analysts to provide technology and data solutions to power their strategies. In becoming a financial advisor, I now use that knowledge to help clients make informed decisions about their wealth and help define their financial future. My career as a financial advisor started at Merrill Lynch in their Palo Alto office. I then transitioned to become an independent advisor at LPL Financial.
I have a bachelor's degree in economics from the University of Vermont and received a personal investment advisor certification from Merrill Lynch. I currently hold Series 7 and 66 securities licenses through LPL Financial as well as Life, Health and Variable Annuity Insurance licenses in California. I continue to keep up to date on current tax changes and strategies through ongoing courses and seminars.
I now live in San Mateo, California, with my wife and two children, after spending much of my career in New York City. Outside of finance, I enjoy biking, skiing and sailing. I also seek opportunities to give back to the community through local charities.
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INVESTMENT PHILOSOPHY
Based on my 30 years of experience working with portfolio managers and studying their strategies, I've found three core concepts that are essential for guiding clients toward success.
FACTOR-BASED INVESTING
Factor-based investing begins by identifying the key “factors” of equity or fixed-income securities that have historically been related to higher returns over time and then evaluating and selecting securities for investments based on these attributes. These strategy principals became notable with research by Nobel Laureate Eugene Fama at the University of Chicago.
BEHAVIOR FINANCE
Behavioral finance is an economic theory that studies how investors make irrational financial decisions based on emotions and biases. This strategy seeks to capitalize on behavioral biases that may cause the market to underreact or overreact to new information. These concepts were researched and published in many books by Nobel Prize winner Richard Thaler of the University of Chicago.
TACTICAL POSITIONING
Tactical asset allocation is an active management portfolio strategy that shifts a percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors. Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.
