GBSDC & ASSOCIATES
Casanueva, Dwyer, Hynes, KowadlaWe 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 the people it serves – 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 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
We can offer boutique-like attentiveness and accessibility combined with the global perspective and industry experience of Bank of America Global Institutional Consulting. Our team is passionate about helping clients strengthen and grow their organization, and helping institutions fulfill their goals and missions. When you work with GBSDC & ASSOCIATES, you can expect a high level of commitment, teamwork, personalized service and customized strategies.
Institutional Consulting
As a Bank of America Global Institutional Consultant, GBSDC & ASSOCIATES is among a select group of highly qualified and credentialed consultants who can provide the in-depth knowledge and customized service and assistance institutional investors need to navigate today’s financial landscape and be responsive to evolving market trends.
Retirement Benefits Consultant
As Bank of America Retirement Benefits Consultants (RBC), GBSDC & ASSOCIATES is one of a select group of highly qualified and credentialed Merrill 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
- Educating employees on connecting their life priorities with their finances to help them pursue what matters most to them
Retirement Accredited Financial Advisor
As a Bank of America Retirement Accredited Financial Advisor[s] (RAFA), GBSDC & ASSOCIATES one of a select group of Merrill 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
- Educating employees on connecting their life priorities with their finances to help them pursue what matters most to them
1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. MLPF&S 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. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.
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.

Solutions for Institutions

Supporting a strong retirement plan and helping to keep it on track
The retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer, are important to you. We offer the solutions your employees may need to help pursue their financial goals and maintain financial wellness. Our array of resources and experience 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 Services 1 and Education and Plan Services 2 appropriate for your plan.
Fiduciary Advisory Services1
- Investment Policy Statement (IPS)3
- Comprehensive due diligence processes to identify appropriate investments
- Proactive delivery – online and by your designated advisor – of investment performance reporting every quarter
- Report providing fund analysis and market trends.
1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). Merrill 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. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.
2 Education and Plan Services are non-fiduciary services required for Advisor Alliance clients and optional for MLII clients.
3 IPS service is not available for FAS Discretionary. The plan sponsor is responsible for the approval and final adoption of the IPS.
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 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. Bank of America specialists are committed to providing institutions like yours with banking solutions, including cash management and lending while investment solutions are provided by Merrill. GCB offers institutions solutions designed 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 can help your organization make decisions that are appropriate for 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” is the marketing name used by certain Global Banking and Global Markets businesses of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.
“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

Personalized Individual Wealth Management Strategies
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 with 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
We believe that to feel good about your finances, you need to 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 approach, drawing on the best thinking of our firm, to help you with your financial future. We will make it clear what you’re paying for and what you’re getting. As your life needs and market conditions change, we can meet to help make sure you’re on track in pursuing your goals and to adjust your approach 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 in the best interests 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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