Michael Muniz
Merrill Lynch
925-227-6657
Financial Advisor
LeTip of San Ramon, CA
With a reputation for creatingpersonalized wealth management strategies that include risk-averse investmentportfolios and the opportunity for streamlined financing, The Liebowitz Walker& Muniz Group serves a growing number of business and real estate owners,entrepreneurs in Silicon Valley, technology executives and other successfulindividuals – many, for more than a decade.They currently manage in excess of $750,000,000.00 in assets.
Having retained these high-net-worthclients through the market volatility of recent years, the team brings itsenergy, skills and resources to clients in 15 states – the result of ongoingreferrals to colleagues, grown children and even grandchildren.
“For the most part, our clienteledoesn’t look for home runs. Instead, protecting wealth, preserving capital andgenerating income that lasts a lifetime are primary goals,” explains DavidLiebowitz. He adds, “Rather than specialize in one type of investment, we customizeportfolios around comfort levels, timelines and objectives of each client.” Theteam primarily creates its own diversified portfolios, allocating across assetclasses to include a combination of selected high-dividend stocks, municipaland corporate bonds, mutual funds, ETFs and covered call writing.
The Liebowitz Walker & Muniz Grouprecognizes that business owners, especially, don’t want to be affected by bigswings in the market. Instead, they want reliable returns that supplementincomes and minimize tax consequences. “For those with real estate, we oftenhelp refinance it, exchange it with other properties, or leverage currentholdings to purchase more. Each client is different. Each situation isdifferent. That’s why our involvement is so deep and why we identifyopportunities by looking at each clients’ overall net worth,” adds David.
In being responsive to clients, the teamstrives to simplify and speed the borrowing process – for real estatepurchasing, business expansion and other needs. Using securities-based lending,Liebowitz Walker & Muniz helps clients borrow against their portfolio’svalue at preferred rates. And because the team is so familiar with arrangingfor securities-based lending, timelines can be shortened while clients avoidhaving to sell stock and pay related taxes. As David points out, “Ourphilosophy is you won’t have to wait or worry. We handle the details.”
The Liebowitz Walker & Muniz Grouptakes a 360-degree view of its clients’ financial pictures and is “hands-on” inaddressing areas that require attention. For some clients, concentrated stockpositions are the group’s focus. For others, team members collaborate withclients’ advisors and/or its own network of attorneys and CPAs.
According to Michael Muniz, “Whether wehandle a client’s lump sum distribution, arrange for a mortgage, point out asolution they never considered or generate consistent cash flow, we act astheir proactive financial advisors. And rather than tie our client interactionto a calendar, we check in frequently, to see what’s new and how we can help.It’s all about the client’s life and taking action at the right time.”
David Liebowitz
Senior Vice President – Wealth Management
Senior Financial Advisor
With nearly 20 years of experience in asset management –having launched his career in 1993 at Dean Witter – David dedicates himself tocreating customized income streams for clients – using carefully-selectedequities, corporate and municipal bonds, mutual funds and covered call writing.David's responsibilities include creating individual asset allocations forclients and managing their long-term equity portfolios.
Born and raised in Castro Valley and married to his highschool sweetheart, David earned a Bachelor of Arts degree in Psychology fromUniversity of California, Berkeley, where he played on two nationalchampionship rugby teams and was named an All-American his senior year. Today,David lives in Danville with his wife of 18 years, Toni, and their threechildren (one in elementary, one in middle and one in high school). When notcheering for them in water polo, swimming, rugby, baseball and dance, David coaches(rugby, baseball and soccer), serves on the boards of his kids’ schools and isinvolved in fundraising for the Cal Alumni Association. His family alsovolunteers on behalf of children with Down’s Syndrome. In his “spare time,”David enjoys traveling, swimming, hiking and working out.
Darrick J. Walker
Senior Vice President-Wealth Management
Senior Financial Advisor
Having grown up in California on his father’s farm where he“lived and understood” the unique challenges and opportunities of agricultureand real estate, Darrick now serves the specialized financial needs of manyaffluent farmers, small business and real estate owners. With first-handappreciation and 20 years spent in financial services – including the pastthree at Merrill Lynch – Darrick's ability to create lifelong income streamsfor clients and, especially, to tailor asset lending for their personalcircumstances, has played a major role in the lifestyles they enjoy.
A graduate of the University of California at Berkeley,Darrick lives in Wyoming with his wife, Julie, and their two children. Darrickis an avid outdoorsman whose passions include backcountry skiing in Wyoming,Utah and Alaska. He is also a single-digit golfer, a loud and loyal supporterof Cal football, and with his wife, supports charitable causes through theirfamily foundation.
Michael Muniz
VicePresident
Senior Financial Advisor
Mike brings over ten years of financial services to clients,having begun his financial services career at Merrill Lynch in 2002. Today, hefocuses on organizing client's complex financial situations and designingcustomized retirement roadmaps. Mike also devotes significant time to theresearch and formulation of customized client portfolios that include mutualfunds, ETFs and annuities.
A graduate of the California State University at Hayward,Mike earned a Bachelor of Science degree in Business Administration with anoption in Finance. Mike is native of Hayward and lives in San Ramon with hiswife of 11 years, Alicia, and their two children. When he’s not coaching hisson’s Tee-ball, soccer and basketball teams – and his daughter’s soccer andbasketball teams – Mike is a big fan of the Bay Area teams and an avidsaltwater aquarist who specializes in coral aqua culturing. Mike also serves onthe Cougar Foundation at his daughter’s school, is a member of the CastroValley LeTip Club and of the Chamber of Commerce.
Lisa Harrison
Client Associate
Throughout her 30 years in thefinancial services industry, Lisa's primary objective has been to provide anexceptional measure of service – bringing each client her thoughtfulness,responsiveness and positive attitude. Lisa's attention to detail andability to utilize company-wide resources makes her a vital asset to TheLiebowitz Walker Muniz Group.
Lisa is a lifelong, fourth-generationresident of the Hayward/Bay Area who volunteers on backpacking trips for theSierra Club. When not on the trail, Lisa can be found at the local Jazzerciseor Zumba class. She and her husband, Joe, are proud parents of three childrenand proud grandparents of three more.
