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The Gonzales Group

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Merrill Lynch

The Gonzales Group

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Merrill Lynch
Wealth Management

Accessible, knowledgeable and experienced, we are committed to understanding your values and the goals you want to accomplish. 

Our goal is to be your primary source for financial advice and guidance.  We’re passionate about what we do and we bring that passion to everything we do for you.

The Gonzales Group

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Welcome

We offer goals-based wealth management to select active & retired wine industry executives, business owners, and generations of families – mostly in Napa, Sonoma, and Solano counties. On their behalf, we deliver boutique-like attention and the vast resources of a global financial institution.

We understand the latest trends, risks and opportunities, but when it comes to managing your wealth, the most important thing is understanding you and your priorities. It starts with a conversation, building a foundation that helps us get to know you — your unique goals, priorities and financial situation — followed by a disciplined investment strategy, offering access to the investment insights of Merrill Lynch Wealth Management, trust and fiduciary services from Bank of America Private Bank and the banking convenience of Bank of America. As you and the markets change, we will meet to track progress and adjust strategy, as needed. When you succeed, we succeed.

Philosophy

We believe in families, complex as they may be. Communication is instrumental to success in managing life’s challenges. We work to engage families in the financial decision-making process. We look for opportunities to educate the younger generation, and we often facilitate family wealth discussions that may be difficult for clients to initiate on their own.

We also believe that the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? Providing care for others?  College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth on to future generations or committed to making an impact with your wealth?  With access to the capabilities of Merrill Lynch Wealth Management, Bank of America Private Bank, and Bank of America banking products and services, we will work with you to develop strategies that are designed to address your priorities and financial needs.

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Capabilities

Our  process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Focus On Individuals and Families

We can offer advice and guidance designed to assist you in making investment-related decisions and trade-offs that can help you reach personally meaningful goals.  So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We’ll start by getting to know you and how you feel about the following seven life priorities.:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

 

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Gregory Tognan

Gregory Tognan

Associate Insurance Specialist

Merrill Lynch

Paul Stauffer

Paul Stauffer

Trust Specialist

Bank of America, N.A.

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Danielle N Jenne

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #855791

Past Events

CARES Act & Your Retirement

Virtual Meeting

May 14th, 2020|1:00 PM - 2:00 PM PST


The new Coronavirus Aid, Relief, and Economic Security Act (CARES Act) has wide-ranging implications for small businesses, workers and families. Please join us via WebEx as John Negrete, Financial Advisor and Retirement Benefits Consultant, reviews the CARES Act provisions and its impact on you.

We’ll be taking question, so please email them prior to the Webinar to pauline.casenas@ml.com

Register by May 13, 2020 by clicking the link: https://attend1000.webex.com/attend1000/j.php?RGID=rcb0541efd35dd03ccc40c2975199adbd

    Making the Most of Your Retirement Assets

    Virtual Meeting

    May 21st, 2020|1:00 PM - 2:00 PM PST

    The financial decisions you make now can have a considerable impact towards pursuing the lifestyle you envision. During this informative seminar, we’ll discuss:

    • The importance of defining your vision for a fulfilling life in retirement
    • Educating you on the choices you have for your retirement accounts
    • Maintaining a longer-term perspective about your retirement accounts
    • The benefits of working with a financial advisor to help in pursuing your goals

    Presented By:

    John Negrete, CPFA, C(k)P®
    Vice President
    Senior Financial Advisor
    Retirement Benefits Consultant

    Oscar Robles, CPFA
    Financial Advisor
    Retirement Accredited Financial Advisor

    Reserve your spot today by clicking: https://attend1000.webex.com/attend1000/j.php?RGID=rd1f60c739e375a404800e5e835f93ab1

    We will also have a Q&A at the end of the presentation from emailed questions we receive.  Please send your questions to pauline.casenas@ml.com.


     

     

      What the US Consumer is telling us about the “reopening”

      Virtual Meeting

      June 4th, 2020|1:00 PM - 2:00 PM PST

      You are invited as Anna Zhou, from our BofA Global Research US Economics Team, discusses her use of proprietary Bank of America aggregated card data to provide a valuable perspective on current and future consumer trends.  As the “Grand Reopening” occurs throughout the country, can this data tell us what the US Consumer thinks and how they’ll spend in the new environment?  Anna holds a bachelor's degree in economics from Cornell University and a master's degree in economics from Columbia University. Based in New York, her primary focus is on the US consumer spending behaviors and trends.

      To register, click on the link: https://attend1000.webex.com/attend1000/j.php?RGID=ree529739100b5588e067155917fab2d8

      We will also have a Q&A for Anna at the end of the presentation from emailed questions we receive. Please send questions to pauline.casenas@ml.com

        Your Financial Approach

        We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

        FAMILY
        Taking care of your family and other people in your life
        • Trust & Estate Planning Services4
        • Education Funding1
        • Insurance3
        HEALTH
        Planning for healthcare expenses now and in the future
        • Long-term Care Insurance3
        • Health Savings Account2
        • Disability Insurance3
        HOME
        Upsizing, downsizing, remodeling or buying a vacation home
        • Home Loans2
        • Home Equity Lines of Credit2
        • Securities-Based Lending2
        • Credit Cards2
        WORK
        Working in retirement, selling or starting a business
        • Bank of America Business Banking2
        • Exchange Funds1
        • Concentrated Stock Management1
        • Succession Planning1
        LEISURE
        Spending your free time in meaningful ways
        • Credit Cards2
        • Securities-Based Lending2
        • Structured Lending2
        GIVING
        Volunteering, mentoring others and giving to charities
        • Donor-Advised Funds4
        • Private Foundations4
        • Charitable Trusts4
        FINANCE
        Using your finances to bring it all together
        • Merrill Investment Accounts1
        • Investment Advisory Accounts1
        • Alternative Investments1
        • Exchange-Traded Funds1
        • Mutual Funds1
        • Closed-end Funds1
        • Fixed Income Products1
        • Options1
        • Annuities3
        • Impact Portfolios1
        • Market-Linked Investments1
        • Securities-Based Lending2
        • Margin1
        • Home Loans2
        • Bank of America Checking and Savings Accounts2
        • Credit Cards2
        • Online Account Access1,2

        1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
        2 Banking, mortgage and home equity products offered by Bank of America, N.A.
        3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
        4 Trust and fiduciary services are provided by Bank of America Private Bank.

        Staying on Track

        We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.


        Periodic reviews to help you
        stay on track

        We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.


          Monitoring changes in your life
          and to your goals

          Your life and goals change. As these changes occur, we can update your approach to reflect them.

          Wealth Management Your Way

          MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

          Your advisor is a click away within our site or mobile apps

          You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

          Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

            Let’s Have a Conversation

            Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

            Why Merrill?

            As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


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            We put you first, every day.
            Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

            Personalized advice from a dedicated financial advisor.

            We get to know you and your family, your financial situation and what matters most to you.

            A comprehensive approach, built around your life’s priorities.

            Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

            Adjusting your investment approach as your life and the markets change.

            We will work to help you stay on track, regardless of what the markets are doing.