GBSDC & ASSOCIATES

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We offer a range of institutional capabilities, customized solutions, insights and best practices to help maximize the value of your benefit plan and help to improve the financial wellness of your employees.

We start with what’s important to you

We take the time to listen and learn about the needs and goals of your institution and its employees – it’s these real-world insights that guide our strategies and personalized service.

About Us

Meet the team

GBSDC & ASSOCIATES is among a select group of Merrill Lynch Wealth Management advisors who have met the rigorous requirements to be a designated Bank of America Merrill Lynch Global Institutional Consultant .

Mission

We focus on principles, plan tactics and targeted, effective education to help your organization pursue its goals and help your employees pursue their best financial lives.

Approach

Your role as a plan sponsor is more challenging than ever, and it’s not something to face alone. Managing benefits today requires fresh thinking, sharp insights and clear lines of sight. Working directly with CFOs, human resource and benefit professionals, company owners and employees, we provide knowledgeable high-touch service. From plan creation to plan implementation and management, from investment and co-fiduciary services to employee education — we’re there every step of the journey toward better plan outcomes and brighter financial futures.

Retirement Benefits Consultant

As Bank of America Merrill Lynch Retirement Benefits Consultants (RBC), GBSDC & ASSOCIATES is one of a select group of highly qualified and credentialed Merrill Lynch advisors specialized in defined contribution plans who can add value to your plan by:

  • Offering access to 3(21) fiduciary services1
  • Helping you shape your investment strategies
  • Offering thoughtful advice without a proprietary investment requirement
  • Providing periodic reporting and helping you understand results and measurements to assist you in managing your plan over time
  • Working with you to create a plan that is designed to drive employee engagement and positive participant behavior
  • Assisting in the delivery of employee financial wellness programs and education
  • Helping employees connect their life priorities with their finances to help them pursue what matters most to them

 

1 Fiduciary Advisory Services is an investment advisory service sponsored by Merrill Lynch. It will only be offered to defined contribution plans recordkept by Bank of America Merrill Lynch and plans recordkept by our Advisor Alliance providers. It is available for plans up to $500 million in plan assets. For more information on plan eligibility speak to your Merrill Lynch advisor.

Recognition

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

Dominic Casanueva

Financial Times –“Top 401 Retirement Plan Advisers” 2015-2018

Barron’s Top 1,200 Financial Advisors in 2018 & 2019

Forbes “Best-in-State Wealth Advisors”  2018 & 2019

Forbes/SHOOK “America’s Top Next-Generation Wealth Advisors” 2017 & 2018

Forbes “Top 250 Next-Generation Wealth Advisors” 2019.

Robert W Dwyer

Forbes “Best-in-State Wealth Advisors”  2019

Ryan A Kowadla

Forbes/SHOOK “America’s Top Next-Generation Wealth Advisors” 2018

Forbes "Best-in-State Next Generation Wealth Advisors" in 2019

Solutions for Institutions

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Supporting a strong retirement plan and helping to keep it on track

We understand the retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer. We offer the solutions your employees may need to help pursue their financial goals and maintain financial wellness. Our array of resources and expertise is designed to help meet your employees’ financial needs in ways that make sense for your company — strategically, operationally and financially. You and your employees will have a team of experienced and passionate advocates for financial wellness on your side. Our team will make your priorities their own so you can focus more on your business.

For Plan Sponsors

Your role as a plan sponsor is more challenging than ever, and it’s not something to face alone. We bring the resources and thought leadership from Bank of America Corporation and its affiliates to bear in helping you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier. We can help you focus on the areas that may be helpful to plan success, including Fiduciary Advisory Services1 and Education and Plan Services appropriate for your plan.2

Fiduciary Advisory Services1

  • Merrill Lynch accepts ERISA 3(21) fiduciary responsibility3 for investment advice and recommendations made in the best interest of your plan Investment Policy Statement (IPS)* and investment menu design based on your plan goals and participant needs4 
  • Comprehensive due diligence processes to identify appropriate investment opportunities 
  • Proactive delivery – online and by your advisor – of in-depth investment performance reporting every quarter 
  • Fiduciary Advisory Services Report providing plan metrics and demographics, fund analysis and market trends

Education and Plan Services2

Plan Design
  • Review of plan demographics to help keep plan on track with objectives
  • Review of plan features and services for potential enhancements
  • Coordination and implementation of new plan features and services
  • Engagement in annual plan compliance testing
Employee Education
  • Communications strategy development
  • Coordination and presentation of enrollment meetings and retirement planning seminars
  • General financial, retirement and investment information
  • Asset allocation education and interactive investment materials
Relationship Management
  • Annual plan meetings and service reviews
  • Participation in committee meetings
  • Access to thought leadership and relevant industry news and trends

 

1 Fiduciary Advisory Services is an investment advisory service sponsored by Merrill Lynch. It will only be offered to defined contribution plans recordkept by Bank of America Merrill Lynch and plans recordkept by our Advisor Alliance providers. It is available for plans up to $500 million in plan assets. For more information on plan eligibility speak to your Merrill Lynch advisor.

2 Education and Plan Services are non-fiduciary services required for Advisor Alliance plans and optional for MLII plans.

3 The Merrill Lynch Fiduciary Advisory Services Client Agreement and the related fee schedule and the Merrill Lynch Fiduciary Advisory Services program Brochure and other disclosure documents include information about the program, including Merrill Lynch’s fiduciary responsibilities pursuant to ERISA section 3(21).

4 Merrill Lynch and its representatives [or advisors] will provide investment advice or recommendations solely on a nondiscretionary basis with regard to qualified retirement plans. All discretionary and investment decisions concerning qualified plans, including which investments to offer under a qualified plan and approval of the IPS, are to be made solely by the plan sponsor. Please see the Merrill Lynch Fiduciary Advisory Services program Brochure for additional information.

For Employees

All our efforts revolve around helping your employees pursue their goals. With Bank of America Corporation’s long legacy of service excellence, we take a holistic approach to helping your employees connect their life priorities and financial priorities—in and beyond their benefit plans. By broadening our view to include an employee’s entire financial picture, both in and out of plan, we believe we can help your employees better manage and gain control of their finances.

  • Holistic approach to helping improve overall financial wellness
  • Personalized plan saving and investing advice through Advice Access1
  • Comprehensive employee education program
  • Choice of service channels – in person, by phone or self-directed online

1The Advice Access service uses a probabilistic approach to determine the likelihood that participants in the service may be able to achieve their stated goal and/or to identify a potential wealth outcome that could be realized. Additionally, the recommendations provided by Advice Access may include a higher level of investment risk than a participant may be personally comfortable with. Participants are strongly advised to consider their personal goals, overall risk tolerance, and retirement horizon before accepting any recommendations made by Advice Access. Participants should carefully review the explanation of the methodology used, including key assumptions and limitations, which is provided in the Advice Access disclosure statement. It can be obtained through Benefits OnLine® or through your representative.

IMPORTANT: The projections or other information shown in the Advice Access service regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Advice Access is an investment advisory program sponsored by Merrill Lynch. Merrill Lynch offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. All recommendations must be based on the suitability requirements of the client. Please refer to the Advice Access Brochure for information on the program including a description of the services and related fees.

Advice Access is only offered to defined contribution plans recordkept by Bank of America Merrill Lynch. For more information on plan eligibility speak to your Merrill Lynch advisor.

DCIC

To help you meet your fiduciary responsibilities, we can offer investment solutions which are vetted by the investment due diligence process of the Chief Investment Office (CIO). Merrill Lynch will accept ERISA 3(21) fiduciary responsibility for the investment advice provided through DCIC. We believe that putting the expertise of a specialized Merrill Lynch financial advisor to work for your plan is a smart solution to help you meet your fiduciary responsibilities. We can offer thoughtful advice on how to create an investment lineup that fits your organization’s needs, as well as provide support to help manage investments over time.

Additional resources for your organization

When you work with us you benefit from the experience and knowledge we’ve gained from working with many institutions across the nation. We’ll bring all the latest thinking,insights and research from across Bank of America Corporation:

Bank of America Merrill Lynch Global Commercial Banking (GCB) provides a full range of commercial banking services to help your organization meet today’s challenges head-on and fuel sustainable growth. Specialists are committed to providing institutions like yours with banking solutions, including cash management and lending as well as investment solutions through Merrill Lynch. GCB offers institutions solutions to help increase cash flow, streamline benefits plans and expand geographically. GCB brings clients the full capabilities of Bank of America Corporation and its affiliates paired with local service.

Merrill Lynch Wealth Management (MLWM) provides access to market knowledge and financial experience. Merrill Lynch can help your organization make decisions that suit its needs and goals. Our education and insights can help your organization understand what’s driving today’s markets and tomorrow’s potential global opportunities. MLWM serves clients across the wealth spectrum, with personal advisor relationships that helps each individual investor plan for and pursue their unique financial goals.

“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Solutions for Individuals

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Personalized Individual Wealth Management Solutions

Since 1999, our team has been helping individuals, families and businesses along Florida’s Gulf Coast navigate change. Our team stands ready to help you for your individual wealth management needs. Please visit us at one of the following convenient locations:

Lakewood Ranch - Visit our website 
Sarasota - Visit our website 
Venice - Visit our website 
Punta Gorda - Visit our website 
Bonita Springs - Visit our website 

Capabilities

You can’t feel good about your finances unless you know exactly where you are, where you want to go, and how much you may need to get there. We work with you to develop a customized financial strategy, drawing on the best thinking of our firm, to help you with your financial future. We will manage all aspects of your relationship, making it clear what you’re paying for and what you’re getting. As your life and the markets change, we will meet periodically to help make sure you’re on track in pursuing your goals and to adjust your strategy as needed for the journey ahead.

Services

We're fully versed in the many issues that affect wealth management. No matter what your short- and long-term goals may be, We'll begin by getting to know you as we explore the following seven priorities together:

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 and giving to charities
Work: Working in retirement, selling or starting a business
Finance: Bringing it all together; defining your financial goals

Using the broad investing resources of Merrill and offering access to the banking convenience of Bank of America, we can also assist with income management, education funding, retirement planning, and guidance for executives with concentrated stock positions, traditional and alternative investments, wealth transfer and estate planning services. And with your permission we can also work closely with your other professionals, such as attorneys, accountants and other specialists, to help you pursue your goals.

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

Thought Leadership

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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... Request an Appointment

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