Phil has over 21 years of wealth management and investment experience, spending most of his career working directly with clients. His primary focus is providing personalized financial advice to successful individuals, families, business owners and institutions utilizing knowledge in the areas of asset/investment management, retirement planning, tax and income planning, estate planning, and risk management. Phil joined Capital Wealth Advisors in 2014 and is currently a member of the Firm’s Investment Committee. Prior to joining Capital Wealth Advisors, Phil was a Financial Advisor and Chief Compliance Officer at Byron Financial from 2005 to 2014 and a Bond Trader at Wachovia Securities fro