During my time at the University of Cincinnati, I pursued a Finance major and was introduced to the College of Business's cooperative education program (co-op). This program allowed students to gain practical experience through internships every other semester starting from sophomore year. Serendipitously, I landed an internship with a local registered investment advisor and discovered my passion for every facet of the business, particularly the client-facing aspect. One memorable day during my internship was when the advisor I was shadowing had left the office to meet with a long-time client who had recently become widowed. The client simply needed assistance in purchasing a new car, yet the advisor dedicated the afternoon at the dealership, ensuring she made a fair deal. Witnessing the profound impact good advisors have on their clients, I knew then that there was no other path I could envision for my career. Immediately post-graduation, I embarked on a support advisor role, eager to immerse myself in this fulfilling profession.

The vast majority of the clients that I partner with are current or former employees of Procter & Gamble. There are a lot of nuances within the P&G retirement plans, compensation packages, and retirement packages that enable a specialization in a niche like this. Additionally, Cincinnati is of course HQ to P&G.
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I also enjoy extending my services to the entire household of my clients. It can be challenging for young professionals with limited assets to receive impartial advice, so I am happy to engage in conversations with my clients’ adult children as they go through phases of growing up: First jobs, 401(k)’s, Roth IRAs, to-do’s when getting married and having kids, etc. My goal is to assist them in making informed decisions to achieve their goals.

I think a big differentiator is operating in a niche, and knowing ALL things P&G. The goal of working with a client base that has the same benefits, retirement plans (to an extent), stock options, etc., is that when there are changes to the plans - I want to be the first to know and help distill that information.

In addition, I take a goals first approach, and taking a consultative approach from day one with clients and prospective clients is a differentiator. I am a big believer that in the world of financial advice, the proof is in the pudding. I will never hold back advice to prospective clients, and anyone I work with will have a full financial plan tailored to their situations prior to solidifying a professional relationship. I am not a fan of promising things and sales pitches - my goal is to simply to show individuals what I can and will do for them, and at a minimum leave them in a better place than when we first spoke.

A lot of the expertise that I have has to do with specifics around P&G employees and their benefits:
- Retirement planning and readiness analysis
- Stock option analysis and planning
- Tax efficient investing and the utilization of direct indexing
- Income planning in retirement
- Distribution strategies from retirement plans, specifically the use of net unrealized appreciation

Income planning - a core tenant of every client’s financial plan, is an annual plan in retirement showing where cash flow is generated, and why. This often weaves together things such as Restricted Stock Units (RSU) flows, stock option exercises, long-term capital gains, Roth conversions, etc.

- Stock option planning
- Investment planning around concentrated positions
- Net unrealized appreciation
- Benefits planning

I like working with a firm that is happy to support advisors in our efforts to do right by our clients. The core of our business is centered around putting clients in a better position than when they came our way, and I’m confident that Savvy can help with that.


Neither Savvy Wealth, nor Savvy Advisors compensates directly for testimonials or endorsements provided herein, by advisers. However advisors may have an indirect financial incentive to provide testimonials. Advisory services are offered through Savvy Advisors. Some Savvy’s financial professionals may be licensed to offer insurance products through unaffiliated insurance agencies. Savvy does not offer or sell insurance products.

I love getting to know them on a personal level where they would almost consider me a friend not just the financial guy. Watching them grow and succeed knowing that I can help is a reward in itself.