I began my career with Merrill Lynch Wealth Management in 1980. Throughout my career, I have focused on providing financial advice and wealth management services to affluent individuals, families, and institutions. I lead the consulting services segment for Osborne & Associates and advise clients throughout the Southeast about public, corporate, and Taft-Hartley retirement funds; endowments; and foundation funds. As a Global Institutional Consultant, I am one of approximately 105 advisors firm-wide who are designated to deliver a range of investment-consulting services to institutional clients. As a Senior Consultant, I also provide wealth management advice and guidance to ultra-high-net-wo