Business Philosophy: I concentrate on the financial and investment needs of high-net-worth individuals and small businesses. I believe in a long-term approach to investing and emphasize financial planning to help my clients determine their financial needs and risk tolerance. However, I accommodate investors for whom a short-term speculative investment approach may be appropriate. Portfolio performance and client satisfaction are my primary business objectives. I differentiate myself by providing exceptional customer service to my clients.Professional Profile: Irene had been with Merrill Lynch Private Client Group since 1979 and is a Certified Financial Manager (CFM). She was one of the first Financial Consultants to concentrate on financial planning for clients of Merrill Lynch. Irene is very active in the community and in many charitable organizations. She is currently on the board of the Greater Houston Women's Foundation and volunteers with the Institute of International Education and Houston's International Fotofest. Irene graduated with a BA from the State University of New York at Potsdam.