Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Investing: Where do I even start?

In this #WomenInvested Meet Up, hear tips on how to begin your investing journey – or take it to the next level

Watch now

Merrill Lynch

Noonan, Gilmore, Panucci & Associates

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Merrill Lynch
Wealth Management

We are highly credentialed and experienced advisors serving a highly educated and deserving clientele. The relationships we enjoy with generations of their families reflect our passion for people, our focus on planning, and ability to manage portfolio risk.
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Welcome

At Noonan Gilmore Panucci & Associates, we are proud to bring an uncommon measure of acumen and attention to clients whose aspirations and values demand both. It is our belief that the depth and breadth of our planning and investment approach clearly distinguishes our practice and the enduring benefits our clients can enjoy. 

Who do we serve? A growing circle of successful women and men who’ve been referred to us and continue to refer others. Residing across Connecticut and more than 20 other states, they include active and retired C-suite executives in the pharmaceutical and defense industries, physicians, business owners and many “millionaires next door” who’ve sacrificed and saved.

While diverse in their paths to our door, clients typically share a desire to engage, listen and trust. This suits us well, as we are devoted to educating and helping clients plan and prepare for important financial decisions.

Given that your life experiences and attitude toward wealth are clearly your own, we don’t make assumptions. Instead, we make time to appreciate your mindset and motivations. As a multi-generational team of lifetime learners, former educators and active listeners, we may ask, “What are your proudest achievements and greatest regrets? What is your vision of a meaningful life? What has worked well and what you do you hope worked better? What income are we trying to replace in retirement? Why have you come to us – and why now?”

 

In addition to your goals, we will look for “holes” in your financial picture – areas that may have been ignored in a previous advisory relationship. We will ask about and examine your trusts, wills and other important provisions. Truth be told, estate planning servicing is another area in which we focus intensely and have extensive skills. We will also ask for the names of your’ CPA and attorney, to align our tax minimization and estate planning strategies – and save you the time of coordinating our efforts.

When it comes to investments, we will craft your portfolio by accounting for your goals, investment timeline, cash-flow needs and risk tolerance, as well as considerations for longevity, inflation, interest rates and market conditions. We will also explain our rationales, so that you understand what you own and why.

 

Having managed our clients’ money and emotions amid the volatility of 1987, 2000, 2008, 2020 and 2022, we feel proud that virtually all of those clients remain with us today. We believe that’s due in large part to our determination and ability to mitigate investment risk as part of a comprehensive, long-term strategy that touches every corner of a client’s financial picture.

Like our clients, your achievements have led to wealth and opportunity. It would be our privilege to help manage both, responsibly and in the most respectful manner.

 

Philosophy

We believe the best financial approach 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. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Approach

No two investment approaches are alike because no two investors are alike. Working closely with you the team examines key components of your life plan to help you create a financial strategy with personalized advice and measurable goals. The team helps you track progress to your goals and works with you to adjust your investment style and strategy over time, as needed.

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 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.

Capabilities

It is important to know exactly where you are with your finances, where you plan to go, and how much you may need to help get you there. Drawing on Merrill’s investing insights and with access to Bank of America’s credit and lending solutions, we can offer you a comprehensive, personalized plan to help you pursue your goals. We will provide transparency on what you’re paying for and what you’re getting, as well as potential opportunities and risks. Understanding that life needs and market conditions can change, we will meet with you, as necessary, to help make sure your strategy remains on track to pursue your goals and adjust your approach for the journey ahead, as needed.

The broad investing resources of Merrill provide you with access to potential strategies for income management, education funding, retirement income planning, and guidance for executives with concentrated stock positions. In addition to traditional and alternative investments and wealth transfer solutions through Merrill, you have access to estate planning services from Bank of America. As your single point of contact we can connect with key professionals in your life, working closely with your outside advisors, such as attorneys, accountants and elder care specialists.

DISCLOSURE: Some or all alternative investments may not be appropriate for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other appropriate investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

  • 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

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

James A Noonan

Forbes “Best-in-State Wealth Management Teams” 2023 and 2024
Published annually in January. Rankings based on data as of March 31 of prior year.*

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021,2022 and 2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Barron's "America's Top 1,000 Financial Advisors: State-by-State" 2009, 2010, 2011
Published annually in February. Rankings based on data as of September 30 of the prior year.

Barron's "Top 1,200 Financial Advisors: State-by-State" 2014, 2015, 2016, 2017, 2018, 2019, 2020
Published annually in February - March. Rankings based on data as of September 30 of the prior year.

Kathryn (Lidestri) Gilmore

Forbes "Top Women Wealth Advisors Best-in-State” 2024
Published on February 8, 2024. Rankings based on data as of September 30, 2023.*

Forbes “Best-in-State Wealth Management Teams” 2023 and 2024
Published annually in January. Rankings based on data as of March 31 of prior year.*

Seth R Panucci

Forbes “Best-in-State Wealth Management Teams” 2023 and 2024
Published annually in January. Rankings based on data as of March 31 of prior year.*

Meet Our 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.

Nathan J Goldstein

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #79336

Deborah L Byrne

Wealth Management Banking Specialist

Merrill

Staying on Track

We understand that both your life and the financial markets can change over time. By 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.



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.



    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.

    #DigitalMerrill

    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

      We believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, work with you to identify potential solutions that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management approach for the future.

      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.

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.


      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      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.