Bob Payne is the managing director and chief investment officer of Payne Capital Management (PCM). In this role, he oversees all portfolio design and financial planning strategies for the firm, while also co-producing PCM’s educational initiatives and market commentaries. For the past 40 years, Bob has approached the wealth management industry from the standpoint of an innovator. His background includes being a first vice president of the Merrill Lynch Private Client Group, where he pioneered the “A-to-B Process” that moved Wall St. away from the traditional brokerage model of selling investment products to designing customized, goal-based financial plans. Bob then launched his own compan