Michael Rogers, vice president communications for the Small Business Association of Michigan, talks with Merrill Lynch financial advisor, Jeff Gembis. They talk about Managing Both Sides Of The Personal Balance Sheet. For over three decades, Jeff and his team have been helping clients with the creation, the preservation and the management of their wealth through a variety of market cycles and often challenging economic conditions. Jeff believes in complimenting his many years of experience with continuing education. He has earned and maintained the Certified Investment Management Analyst® (CIMA®) designation sponsored by the Investment Management Consultants Association at the Wharton School. A Michigan native, Jeff received his Bachelor of Arts Degree from James Madison College at Michigan State University. He and his wife Melissa have three grown children. Active in his community, Jeff is a member of the Detroit Athletic Club, Birmingham Athletic Club and Wawashkamo Golf Club on Mackinac Island.