Navigating Change: A Journey through Merrill Lynch

This chapter reflects on the author's experiences at Merrill Lynch during the lead-up to the financial crisis, detailing the shift in corporate culture and the importance of financial caution. It includes personal anecdotes about career progression, the challenges faced in the finance sector, and the decision to launch a new investment firm amidst market turmoil. Additionally, the discussion examines the role of market perspectives in investment decisions and the complexities of building client confidence in a cautious environment.