PROFESSIONAL PROFILE

Our mission is to help our clients experience the satisfaction and peace of mind that comes with achieving their financial goals.

We uniquely serve our client's wealth management needs by addressing issues in four primary areas; creating and growing wealth, protecting and preserving wealth, planning the distribution of wealth during life, and planning the distribution of wealth at death.

Our team partners with individuals, families and business organizations to provide solutions for managing their liquid and illiquid assets, arranging asset-based personal or business credit, and protecting against unnecessary income, capital gain, and estate taxes.

Our Wealth Management Philosophy - APPROPRIATE ASSET ALLOCATION AND DISCIPLINED REBALANCING ARE THE KEYS TO LONG TERM SUCCESS.

Our clients have worked hard to build assets and we, in return, work equally hard to enhance and protect those assets.

Fred S. Kahn, Investment Associate, has been in the investment industry for over 39 years specializing in the areas of professional asset management and tax-free investing.

Fred has served on and led various civic boards from parks and recreation to the arts and tourism. He is a recipient of numerous community honors.

Matthew M. Kahn, Senior Financial Advisor, Senior Vice President - Wealth Management, has been with Merrill Lynch since 1992, starting his career with a comprehensive two-year training program at our Princeton Corporate campus. He has extensive experience in the business retirement plan market, specializing in 401(k) plans. An active volunteer, Matt is currently serving on several community boards and committees.

James T. Ruthrauff, Wealth Management Advisor, First Vice President - Wealth Management, joined Merrill Lynch in 1989. He is a Certified Financial Planner® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and holds a MBA from University of Florida. Jim is a graduate of Leadership South Bend/Mishawaka and serves as a Director for the Economic Club of Michiana. Jim specializes in strategic investment approaches.

Joyce Kuehl, Investment Associate, has been with Merrill Lynch since 1974. She is a Certified Financial Planner® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., concentrating in the areas of retirement and estate planning. Joyce also assists in account reviews and portfolio analysis. She is very active in the community, currently serving as a director of the St. Joseph Scholarship Foundation.

Barbara J. Obrochta has been with Merrill Lynch since 1992. She concentrates on servicing our Group Retirement Plans. Additionally, she works with some individual clients on investment selection and asset allocation.

Candy Raven has been with Merrill Lynch since 1996. She provides support in all phases of client service. Also, she prepares specialized client portfolio performance and allocation reviews.