Andy has worked for Merrill in the New Haven office since 1976. In 2014, Andy was recognized by the Financial Times in its “Top 400 Financial Advisors” (*Published on March 25, 2014. Rankings based on data as of June 30, 2013) and in 2009-2012 and 2014-2018, Barron’s magazine recognized him in its “Top 1,200 Financial Advisors” list (*Published annually in March. Rankings based on data as of September 30 of prior year).

Andy’s investment philosophy is conservative, dividend- and cash flow-focused, looking to compound returns over time, and he acts on the beliefs that a significant portion of the Standard & Poor’s return is the dividends paid by its member companies. The GKH Group was formed by Andy and his father-in-law, Elliot Glunts, and they transformed the group into a multigenerational family business with the addition of Elliot’s grandson and Andy’s son, Josh. Andy considers his other partner, Tom, an adopted son and valued friend. This philosophy of family governs the team, their holistic approach to wealth management and how they interact with clients on a daily basis.

Andy received his bachelor’s degree with honors from The University of Connecticut in 1972, where he played basketball for the Huskies for part of two seasons: he has coached in several youth sports leagues and also served as treasurer and finance chairman of various Connecticut non-profit organization and private schools. Andy has been married to his beautiful bride, Jane, for 46 years and together they enjoy traveling and following the many sports adventures of their four grandchildren. His other interests include reading, golf, cross-fit, and running.

*Source: Financial Times “400 Top Financial Advisers” list, published on March 25, 2014. Rankings based on data as of June 30, 2013.

The Financial Times “400 Top Financial Advisers” (FT 400) is an independent listing produced by the Financial Times. The FT 400
is based on data gathered from firms and verified by broker-dealer home offices, regulatory disclosures, and the FT’s research. The
listing reflects each adviser’s performance in six primary areas, including assets under management, asset growth, compliance record,
experience, credentials and accessibility as identified by the FT. Neither the brokerages nor the advisers pay a fee to the Financial Times
in exchange for inclusion in the FT 400. The ranking or ratings shown here may not be representative of all client experiences because
they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or
investment outcome.

*Source: The Barron’s “Top 1,200 Financial Advisors: State-by-State” list, published annually in March. Rankings based on data as of September 30 of prior year.

The Barron’s “Top 1,200 Financial Advisors” ranking considered advisors with a minimum of seven years financial services experience and who have been employed at their current firm for at least one year. This is a list of the top advisors in each state, with the number of ranking spots determined by each state’s population and wealth. Other quantitative and qualitative measures include assets under management, revenues generated by advisors for their firms, and the quality of the advisors’ practices, regulatory records, internal company documents, and 100-plus points of data provided by the advisors themselves. Rankings and recognition from Barron’s are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of the advisor. Barron’s is a trademark of Dow Jones & Company, Inc. All rights reserved.

Josh started at Merrill in 2004 joining his father (Andy), grandfather (Elliot), and Tom (like a brother) to make The GKH Group a three-generation family team. Josh’s impact on the team was felt immediately. With his comfort using technology, Josh greatly expanded the team’s wealth management planning focus and aimed to be an essential advisor for the team’s clients. Being an essential advisor means helping clients integrate all aspects of their financial lives: wealth management planning, access to lending through Bank of America, estate planning services, and insurance. According to Josh, the team was simply expanding the core principles that The GKH Group is committed to offering clients: integrity, honesty, and a relentless pursuit of helping clients meet their financial challenges.

In 2020, 2021, and 2022, Josh was named to the Forbes “Best-in-State Wealth Advisors” list (*Published annually Jan – April. Rankings based on data as of June 30 of prior year.), and in 2020, 2021, and 2022 Barron’s named him to its “Top 1,200 Financial Advisors: State-by-State” list (*Published annually in March. Rankings based on data as of September 30 of prior year). When considering investments, Josh is a proponent of Modern Portfolio Theory. The goal of Modern Portfolio Theory is to assemble a portfolio that aims to get maximum return for each unit of risk an investor is willing to take. Josh has a passion for finding, researching and talking about unique investment opportunities that can help further diversify client portfolios, help optimize risk-adjusted returns, and help clients meet their financial goals.

Josh graduated with a bachelor’s degree from Johns Hopkins University with a major in Economics and a concentration in Psychology. While at Johns Hopkins, he played four years of varsity baseball and was voted Mr. Johns Hopkins his sophomore year. He is the founder of Journey for America, a non-profit organization whose mission was to raise money and awareness for victims of terrorism. If you would like to hear a great story, ask Josh about his walk from Los Angeles to New York City.

Josh and his wife, Lucy, live in Cheshire, Connecticut with their two children. Josh enjoys coaching a variety of youth sports in his free time. His other interest include reading, golf, tennis, skiing/snowboarding, and learning new things.

*Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.
Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

*Source: The Barron’s “Top 1,200 Financial Advisors: State-by-State” list, published annually in March. Rankings based on data as of September 30 of prior year.
The Barron’s “Top 1,200 Financial Advisors” ranking considered advisors with a minimum of seven years financial services experience and who have been employed at their current firm for at least one year. This is a list of the top advisors in each state, with the number of ranking spots determined by each state’s population and wealth. Other quantitative and qualitative measures include assets under management, revenues generated by advisors for their firms, and the quality of the advisors’ practices, regulatory records, internal company documents, and 100-plus points of data provided by the advisors themselves. Rankings and recognition from Barron’s are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of the advisor. Barron’s is a trademark of Dow Jones & Company, Inc. All rights reserved.

Tom has worked for Merrill since 1998. He holds the Certified Investment Management Analyst® designation from the Investments & Wealth Institute™ and in conjunction with the Wharton School. In 2020, 2021, and 2022, Tom was named to the Forbes “Best-in-State Wealth Advisors” list (*Published annually Jan – April. Rankings based on data as of June 30 of prior year.) and in 2019, 2020, 2021, and 2022, Barron’s named him to its “Top 1,200 Financial Advisors: State-by-State” list (*Published annually in March. Rankings based on data as of September 30 of prior year). Tom received his bachelor’s degree in sociology from Yale University in 1994, where he was an All-Ivy League shortstop and nominated as an Academic All-American. Tom helped lead Yale baseball to its most successful four-year period, capturing three league championships, two NCAA regional appearances, a number one college baseball ranking in New England and the program’s first regional win since George Bush’s 1948 team. Upon graduation, Tom played two seasons of professional baseball with the Montreal Expos and worked for three more in the NY Mets front office as an assistant director of player personnel.

Tom married his childhood best friend, Jacki, in 1998 and they have raised four wonderful children together in Orange, Connecticut. Tom has coached, volunteered and supported many youth sports programs over the years.

Tom’s investment philosophy, shaped by his mentors Andy Kampf and Elliot Glunts, is conservative and cash flow driven. Tom will compartmentalize client assets into various buckets to help meet specific goals based on risk, liquidity and time horizon.

Hanging on Tom’s office wall is his favorite saving and guiding life lesson:
“In the end what matters most is: How well did you live? How well did you love? How well did you learn to let go?”

*Source: The Barron’s “Top 1,200 Financial Advisors: State-by-State” list, published annually in March. Rankings based on data as of September 30 of prior year.
The Barron’s “Top 1,200 Financial Advisors” ranking considered advisors with a minimum of seven years financial services experience and who have been employed at their current firm for at least one year. This is a list of the top advisors in each state, with the number of ranking spots determined by each state’s population and wealth. Other quantitative and qualitative measures include assets under management, revenues generated by advisors for their firms, and the quality of the advisors’ practices, regulatory records, internal company documents, and 100-plus points of data provided by the advisors themselves. Rankings and recognition from Barron’s are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of the advisor. Barron’s is a trademark of Dow Jones & Company, Inc. All rights reserved.

*Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.
Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.