GBSDC & ASSOCIATES

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GBSDC & ASSOCIATES

Accessible, knowledgeable and experienced, we are committed to building and maintaining strong client relationships. We’re passionate about what we do and we bring that passion to helping every client make what may be the most important financial decisions of their lives.

Meet Our Team

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

Roy  Borrego

Roy Borrego

Senior Financial Advisor

941.637.4328
Dominic  Casanueva

Dominic Casanueva

Senior Financial Advisor

941.364.5649
Robert W Dwyer

Robert W Dwyer

Wealth Management Advisor

941.637.4331
Charles R Carpenter

Charles R Carpenter

Senior Financial Advisor

941.364.5677
Eric P Schultz

Eric P Schultz

Analyst-Investments

941.637.4337
H Michael Garcia

H Michael Garcia

Investment Associate

941.637.4313
Ralph  Yankwitt

Ralph Yankwitt

Senior Consultant

941.637.4388
Robert D Jones

Robert D Jones

Senior Consultant

941.486.3920
Guy  Allen

Guy Allen

Investment Associate

941.364.5699
Richard D. Hynes

Richard D. Hynes

Financial Advisor

941.364.5650
Christopher M. Caledonia

Christopher M. Caledonia

Senior Financial Advisor

941.364.5657
Ryan A Kowadla

Ryan A Kowadla

Wealth Management Advisor

239.649.2987
Paul C. Alexander

Paul C. Alexander

Senior Financial Advisor

941.364.5611
Cornelius  Bonner

Cornelius Bonner

Financial Advisor

941.412.2150
Brittany C  Muse

Brittany C Muse

Financial Advisor

941.637.4309
Matthew  Burkhalter

Matthew Burkhalter

Financial Advisor

941.364.5665
Carlos  Candales

Carlos Candales

Registered Senior Client Associate

941.637.4323
Suzanne J Kingsbury

Suzanne J Kingsbury

Registered Senior Client Associate

941.637.4329
Jennifer A Wilson

Jennifer A Wilson

Registered Senior Client Associate

941.364.5609
Elisabeth  Erausquin-Nethery

Elisabeth Erausquin-Nethery

Registered Client Associate

941.637.4359
Deborah L North

Deborah L North

Client Associate

Andrea  Alegria-Gonzalez

Andrea Alegria-Gonzalez

Client Associate

941.364.5656

Where do we begin? It starts with you.

At Merrill Lynch, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

Among the reasons our team chose to be part of the financial services industry, is our desire to help others. This passion to help stems from our collective experience and the financial challenges we have either watched friends, families or ourselves experience in the past. As witnesses to the challenges faced by important people in our lives, we recognized the need for a professional and caring team to help others realize the life they want. Our purpose is to help others define their goals, establish a wealth management strategy centered on their priorities and then help them to adjust their strategy, as needed, as the inevitable changes in life occur.

Approach

Our approach to investing is grounded in an understanding of you. It all begins with a conversation. We take the time to get to know you—your kids’ names, how hard you worked to get where you are and how you define success. We'll work together to understand your investment personality, prioritize your goals and build a financial strategy that reflects your needs. We believe investors can benefit from our advice, access to the investment insights offered by Merrill Lynch and the banking convenience of Bank of America. When it comes to your success, there’s only one financial strategy that really matters — yours.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch 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 strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me 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 strategy.

What Sets Us Apart
  • Investment expertise-- Our investment consulting advice is backed by the sophisticated market insights and award-winning¹ research of Bank of America Merrill Lynch's Global Research Group which housed over 600 analysts in 2014²
  • Custom portfolio management-- With two portfolio managers on our team, you can sit face-to-face with them, learn how they make decisions and ask questions.
  • Uniquely qualified advisors-- Our distinguished group of Merrill Lynch Financial Advisors hold designations attained through rigorous training and assessment processes
  • Independence-- Objective advice with the best interest of clients, 401k(k) plan participants and beneficiaries at its core
  • Customized strategies-- One-on-one assessment of your individual retirement plan, and customized strategies for organizations, designed to align with your interests and goals
How We Help Clients

Clients at various stages, in their lives, count on us to help them find ways to pursue their financial and life goals, including:

  • The retirement lifestyle they envision
  • Preparing for the costs associated with providing for the best education possible for children and grandchildren
  • Tax-aware wealth transfer to the next generation
  • Establishment of their legacy through family and philanthropy
  • Diversifying business interests
  • Coordinate banking needs- cash management, credit and lending, home equity and liquidity management, through Bank of America
  • Work with your other professionals-- attorneys, accountants and tax specialists



Focus on 401(k)
Working with GBSDC & Associates means working with people who are truly dedicated to your success. Our approach is simple, transparent and supported by industry-leading investment guidance. When you and your employees succeed, we succeed.
  1. We perform a thorough needs assessment and plan evaluation
  2. We take an unbiased approach to plan design and implementation
  3. We help you document an Investment Policy Statement that defines objectives
  4. We pursue rigorous due diligence to help you create a diversified Investment Menu. Your fiduciary responsibilities include selecting an appropriate range of investment options.
    1. Analyze the investment behavior of your current plan's participant
    2. Diversify styles within each investment category
    3. Analyze various investment alternative
    4. Review and select investment option
    5. Frequently evaluate the plan's investment offering
  5. We develop a communications strategy to help 401(k) employees achieve financial goals
  6. We coordinate and conduct 401(k) enrollment meetings
  7. We facilitate ongoing plan services
    1. Pension Committee Meetings to review your Pension Plan and Investment Performance
    2. 401(k) Plan Reviews
    3. 401(k) Participant Enrollment/ongoing education meetings
    4. Investment Policy Statement Reviews
    5. Implementing Program Enhancements
    6. Monitoring Industry Trends and Communicating to Plan Sponsor

 

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1Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2011, 2012, 2013 and 2014, based on surveys held throughout the year. The magazine creates rankings of the top investment professionals at more than 1,000 firms. For more information on this award, go to http://www.institutionalinvestor.com/TopGlobalResearch2014.

2Data as of September 30, 2014

2015 FT 401 Disclosure:
The Financial Times Top 401 Retirement Plan Advisors is an independent listing produced by the Financial Times (May, 2015). The FT 401 is based on data gathered from financial advisors, firms, regulatory disclosures, and the FT’s research. The listing reflects each advisor’s performance in eight primary areas, including: DC plan assets under management; DC plan assets as a percentage of overall AUM; growth in DC plan AUM; growth in DC plans advised; DC plan employee participation; professional designations; experience; and compliance record. Neither the brokerages nor the advisors pay a fee to The Financial Times in exchange for inclusion in the FT 401.

2016 FT 401 Disclosure:
The Financial Times 401 Top Retirement Plan Advisors is an independent listing produced by the Financial Times (September 2016). The FT 401 is based on data gathered from financial advisors, regulatory disclosures, and the FT’s research. The listing reflects each advisor’s status in seven primary areas, including DC plan assets under management, growth in DC plan business, specialization in DC plan business, and other factors. This award does not evaluate the quality of services provided to clients and is not indicative of this advisor’s future performance. Neither the advisors nor their parent firms pay a fee to Financial Times in exchange for inclusion in the FT 401.

 

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch 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

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

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 strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

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

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs – a caring advisor who can leverage the investment insights of Merrill Lynch and access to the banking convenience of Bank of America to help clients face today’s financial and economic landscape. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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 financial advisor.





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Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

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

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

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