Click Bob's picture to send an email		Bob Payne Managing Director Merrill Lynch Financial Consultant for over 22 years First Vice President - Investments Circle of Excellence Club member since 1986 Assets under management in excess of 450MM Co-developer Mutual Fund Reference Guide B.A. LaSalle University, 1975 Performance Coaching Focus Strategic and Tactical Asset allocation, quantitative and qualitative assessment, gap analysis, investment strategy/planning, and selection discipline.