Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
Gary Smith, CLU®, ChFC®
Vice President, Wealth Management Advisor, Portfolio Advisor
I take a planning based approach and use a defined process to assess your risk tolerance. I then design an investment strategy that attempts to maximize a greater degree of certainty while minimizing your risk. I help to manage the sequence of returns when you are in retirement and maximize assets going to your intended beneficiaries.
Before any financial decisions are made, I look at your whole financial life and take the time to fully understand who you are and what matters the most to you. With this intimate knowledge about what you value most, I will help you to establish objectives, develop an appropriate strategy and make recommendations that draw upon the breath and depth of Total Merrill to connect all the pieces of your financial life. I will conduct regular reviews with you to help you track your progress toward reaching your goals and keep your strategies consistent with any changes that may take place in your life and/or business.
I have been a Financial Advisor since 1981, joining Merrill Lynch Wealth Management in 2007. I am a graduate of Allegheny College and hold a Masters Degree in Teaching from Antioch University. I have authored several articles in national magazines as well authoring a weekly column in the “Syracuse Herald Journal” from 1991 – 1997 on financial topics. I enjoy golf and spending time with my wife and five children.
Chartered Financial Consultant® and the ChFC® and The Chartered Life Underwriter® and CLU® marks are the property of The American College, which reserves the sole rights to its use, and is used by permission
Community involvement is an integral part of how I interact with clients and communities. I am actively involved with volunteering and as a former charter Board Member of The Rotary Club of Ponte Vedra and a current Board member of Learn to Read of St. Augustine. I am also a Del Webb HOA Board Member and an active member of the Riverwood Men's Club (formerly president). Let me show you how my dedication to achieving your goals and to client service could benefit you and your family. Contact me at your earliest convenience.
Antioch College (suspended operation June 2008; planned re-opening in 2012)
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Supported by the global resources of Merrill, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
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.
Wealth Management Lending Officer
Bank of America, N.A.
Wealth Management Banking Specialist
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.
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.
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.
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.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
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
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together I can help you create a financial approach that reflects your personality. Only then can I 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.
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.
We put you first, every day.
We get to know you and your family, your financial situation and what matters most to you.
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.
We will work to help you stay on track, regardless of what the markets are doing.