As a seasoned mortgage lender with Merrill Lynch, the nation's seventh-largest, I leverage the combined strength of Bank of America and Merrill Lynch to provide unique and competitive mortgage solutions. Since 2005, I have been dedicated to the financial services industry, joining Merrill Lynch in Traverse City in 2012. My background includes extensive experience in individual security selection and crafting customized investment portfolios for affluent families and non-profit organizations. I specialize in developing endowment-like portfolios tailored for long-term financial goals, emphasizing high-quality, individually purchased securities to minimize costs. My commitment is to deliver exceptional service to clients seeking to preserve their wealth while supporting their philanthropic interests.