Global Corporate & Institutional Advisory Services (GCIAS)

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Whatever your personal goals may be, we will work with you to develop a customized financial strategy designed to help you pursue what’s most important to you.

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

More than 25 Years of Serving Institutions and Individuals

Nobody has time for complexity these days, especially when it comes to financial matters. That's why for more than 25 years, Merrill's Global Corporate & Institutional Advisory Services (GCIAS) has offered plan sponsors access to the advantages of integrating recordkeeping support for retirement contribution plans, equity and stock awards, and personalized wealth management services with employee education and financial wellness strategies. Ours is a story of commitment, experience, innovative solutions and connecting the dots for companies and their employees.

The GCIAS service model begins with the institutional relationship and builds to providing wealth management strategies and execution to help serve the needs of individuals and families.

Whether you are a corporate leader, plan administrator, an employee or a retiree focused on achieving your personal financial goals, the more than 100 professionals of GCIAS located throughout the United States deliver responsive, flexible and high-touch service.

What If Life Were Simpler for You and Your Employees?

The GCIAS story is one of experience, innovative strategies and offering support to both plan sponsors and employees. GCIAS offers institutions access to the advantages of integrating recordkeeping support with personalized education for retirement contribution plans, equity awards, and other benefit services, while enhancing the employee experience with access to personalized wealth management services.


The workplace services we offer include:

  • Retirement Contribution Plans
  • Advice and Guidance1
  • Deferred Compensation
  • Wealth Management Strategies
  • Equity Compensation
  • Education and Communication
  • Healthcare Savings Accounts through Bank of America, N.A.
  • Access to Bank of America Banking Services
  • Financial Wellness Education

The Plan Sponsor Advantage

GCIAS offers plan sponsors access to streamlined and cost-effective services:
  • Specialized technology and services to service 401(k), defined benefit, deferred compensation, equity and health care savings programs
  • Single point of contact at the executive level offers the responsiveness you need and the ability to help you maximize the value of all of your programs
  • Potentially enhanced buying power that comes from a broader and deeper relationship with a large firm such as Merrill
  • Natural alignment with your company's total rewards approach through an extensive view of your benefit plans
  • Open investment architecture assists you in offering employees a broad range of investment options designed to meet their needs
  • Thought leadership on industry trends, innovative strategies and legislative issues



1Investment advice is provided to participants in plans serviced by Merrill Lynch, Pierce, Fenner & Smith, Incorporated solely through the Advice Access program.

Retirement Benefits Consultant

As Bank of America Merrill Lynch Retirement Benefits Consultants (RBC), Global Corporate & Institutional Advisory Services (GCIAS) 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.

Meet the Team

Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

is registered to do business in:

Adil A Khan is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Alex D Levine is registered to do business in:
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Alexandra E Cooper is registered to do business in:
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Andrew M Cleveland is registered to do business in:
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Angelo Vincent Esposito is registered to do business in:
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Ashley F Abate is registered to do business in:
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Bart A Speziali is registered to do business in:
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Brittany Lauren Hartnett is registered to do business in:
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Chad Allen Pigg is registered to do business in:
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Chad Patterson Blalock is registered to do business in:
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Charles J Murray is registered to do business in:
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Chester Palmour Rollins is registered to do business in:
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Christopher Hartnett is registered to do business in:
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Clifford A. "Trip" Farren III is registered to do business in:
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Craig L Rollins is registered to do business in:
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Daniel Schurr is registered to do business in:
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Daniel F Emerson is registered to do business in:
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Darren J Godsell is registered to do business in:
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David Randall is registered to do business in:
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David F Mack is registered to do business in:
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David M Cramer is registered to do business in:
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DAVIS HINES is registered to do business in:
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Deborah A Howard is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Dylan W Templeton is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Elizabeth G White is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Emily Fletcher is registered to do business in:
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Erik M Bjerke is registered to do business in:
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Everett S Cramer is registered to do business in:
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James E Wallace is registered to do business in:
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James G Malatos is registered to do business in:
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James R Kaufman is registered to do business in:
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Jason B Neighborgall is registered to do business in:
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Jeffrey K Crowell is registered to do business in:
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Jeffrey S Neumeyer is registered to do business in:
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John Little IV is registered to do business in:
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John V Weindler is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI, GU

Joseph A Sacco is registered to do business in:
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Joseph J Grimm is registered to do business in:
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Jurgen Adolf Steinwarz is registered to do business in:
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Kevin W Higginbotham is registered to do business in:
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Kyle Salone is registered to do business in:
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Laura Wiley Bishop is registered to do business in:
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Madeline L Harr is registered to do business in:
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Mark W Wazevich is registered to do business in:
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Matthew Hartnett is registered to do business in:
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Matthew H Townsend is registered to do business in:
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Matthew Lee Williams is registered to do business in:
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Matthew M Prediletto is registered to do business in:
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Max S Dore is registered to do business in:
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Melissa A Budnik is registered to do business in:
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Michael Christopher Sontag is registered to do business in:
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Michael D. Edmonds is registered to do business in:
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Michael L Siegel is registered to do business in:
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Michael R Massi is registered to do business in:
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Nathaniel Halsey Hanson-Cook is registered to do business in:
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Nick Molinari is registered to do business in:
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Paul W Covington is registered to do business in:
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Perry J. LeBlanc, III is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Peter P. Sereno is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Raine A. Ayers is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Randall Roman is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Richard Anderson is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Rick Thome is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Robert E. Heightchew III is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Robert W Cramer is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Sarah Jordan Badgett Perelle is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Scott M Emerson is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Steven Roger Prediletto is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Thomas JOERRES is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Timothy Moscato is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Travis Wilson is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Tyler Sills is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Virginia Dalton is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

William H Shipman II is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

William M Kennon is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

William P Maggard is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Zachary D Zwieg is registered to do business in:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, PR, VI

Additional Resources

Global Corporate & Institutional Advisory Services (GCIAS) is supported by talented specialists who have experience working with institutions and share a strong commitment to guiding investment programs and strategic decision making.

Solutions for Institutions

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Keep the focus on your company's greatest asset — your employees

Designing and administering equity compensation plans is a challenge for many companies. While offering a plan helps you create an ownership culture, managing that plan may require additional expertise. At Bank of America Merrill Lynch, we understand your need for a total equity compensation plan that creates value for your company and its employees. We know the stakes are high — and we have the experience and resources to help you deliver a successful program.

We can support you and your employees with your equity compensation needs, including:

  • Nonqualified and Incentive Stock Options
  • Performance Shares and Units
  • Restricted Stock and Units
  • Dividend Equivalent Units
  • Stock Appreciation Rights
  • Employee Stock Purchase Plans
  • Institutional Trust and Custody Services

Capabilities

Financial reporting

The Award Choice Financial Reporting™ solution is an on-demand, web-based application that provides customized, comprehensive reports and helps to fulfill your ASC 718 requirements.

Employee Stock Purchase Plan Services

With an Employee Stock Purchase Plan (ESPP), corporations can make it possible for employees to purchase company stock at a discount to the fair market value of the stock.

Rule 10b5-1 Trading Plans

We can help your executives design and implement a Rule 10b5-1 trading plan, enabling systematic selling or purchasing of company stock at regular intervals.

Executive Services

We understand the unique needs and challenges your officers, directors, and insiders face in managing their equity awards and transacting in company stock.
Your insiders will have access to an advisor who understands the complexity of equity compensation, details of your company’s equity awards and the regulations that may govern their transactions; and who can provide the assistance your insiders will need to get the greatest benefit from their awards.

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.

And More

Beyond our experience, we offer access to the deep intellectual capital and broad capabilities of Bank of America Corporation and its affiliates. If we identify a need we can’t service myself, we can connect you with the people and resources to help you. Through our network of advisors, we strive to deliver strategies to help you manage the day-to-day and long-term responsibilities required in pursuing your institution’s goals. As we work together to address your evolving needs, we can make the broad capabilities of Bank of America Corporation feel much more accessible.

Workplace Insights™ | Public Policy & Trends

Access information about the issues, laws and industry changes that are being considered and what these changes can mean to you and your employees.

Solutions for Individuals

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Personalized Wealth Management to Help You Pursue Your Financial Goals

With ongoing concerns about market volatility, political unrest and global economic issues, many investors seek the guidance of a trusted advisor to help take the emotions out of financial decisions and uncover opportunities to pursue financial wellness.

Decision Making Based on Your Financial and Life Situation

To complete the picture, you and your GCIAS financial advisor will discuss your life situation and goals. This may include use of Merrill's proprietary Investment Personality Assessment to gain insight into what's most important to you when it comes to investment decisions. This information combined with an understanding of your investment personality will enable you to develop an investment approach that reflects your goals and is personalized to your circumstances.

Implementing Goals-Based Wealth Management
Your GCIAS financial advisor can assist you in selecting an appropriate mix of strategies to help you pursue each of your goals, taking into consideration your resources, objectives, risk tolerance, time horizon and liquidity needs. After the initial investment approach and strategies are agreed upon and implemented, your GCIAS financial advisor is available to meet with you to review progress toward your goals and help modify the investment approach, when needed.

A full array of services to address your needs

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*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.

*Institutional Investments & Philanthropic Solutions (Philanthropic Solutions) is part of U.S. Trust, Bank of America Corporation (“U.S. Trust”). U.S. Trust operates through Bank of America, N.A., member FDIC, and other subsidiaries of BofA Corp.

Connecting the Dots to Help Employees Pursue Financial Wellness

When it comes to setting long-term financial goals, maximizing the value of a benefits program, or preparing for retirement, it can all be overwhelming.

Where do I start?
Can I pursue my goals?
How do I put the pieces together?

We hear these questions a lot—from employees at all levels of an organization. That's why, in addition to our corporate benefit plan program support, GCIAS can assist employees through personalized benefit program education, and advice and guidance in the context of their entire financial picture.

GCIAS can help employees connect the dots across company-sponsored benefits and other aspects of their financial lives.

The Employee Advantage
Employees get the simplicity and multichannel support they need:

  • Convenient, one-stop access to benefits information, whether online through single sign-on or on the telephone via a toll-free number
  • Bank of America Merrill Lynch defined contribution statement ranked number one for the 8th year in a row in Dalbar's Trends & Best Practices in Investor Statements.
  • Advice Access1 helps plan sponsors equip employees to make more informed investment decisions that can reflect their employee retirement plan and outside assets
  • GCIAS can help to deliver high-touch, personalized support to your employees who need knowledgeable guidance
  • Employee communication and education designed to drive employee behavior in strategic ways, integrate messages across plans and support plan sponsors
  • Creative multimedia approaches to help your employees maximize the value of their benefits and pursue financial wellness
1Investment Advice is provided to plan participants solely through Advice Access.

*For the year ending 2018, DALBAR, Inc. examined defined contribution (DC) statements from 22 financial service providers, and total retirement (TR) statements from 5 financial service providers. Statements are scored on a 100-point scale in criteria grouped into four broad categories: Calculated to be Understood (Statement Clarity), Primary Content and Secondary Content (Statement Content), and Design and Statement formats (Statement Design). Statements that earn 80-100 points are designated “excellent.” Statements that earn 70-79 points are designated “very good.” The DC statement earned a score of 90.80, the highest awarded in its category. The TR statement earned a score of 80.45, the second highest awarded in its category. 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.

What If Life Were Simpler for You and Your Employees?

The GCIAS story is one of experience, innovative strategies and offering support to both plan sponsors and employees. GCIAS offers institutions access to the advantages of integrating recordkeeping support with personalized education for retirement contribution plans, equity awards, and other benefit services, while enhancing the employee experience with access to personalized wealth management services.

The workplace services we offer include:

  • Retirement Contribution Plans
  • Advice and Guidance1
  • Deferred Compensation
  • Wealth Management Strategies
  • Equity Compensation
  • Education and Communication
  • Healthcare Savings Accounts through Bank of America, N.A.
  • Access to Bank of America Banking Services
  • Financial Wellness Education
The Plan Sponsor Advantage

GCIAS offers plan sponsors access to streamlined and cost-effective services:

  • Specialized technology and services to service 401(k), defined benefit, deferred compensation, equity and health care savings programs
  • Single point of contact at the executive level offers the responsiveness you need and the ability to help you maximize the value of all of your programs
  • Potentially enhanced buying power that comes from a broader and deeper relationship with a large firm such as Merrill Lynch
  • Natural alignment with your company's total rewards approach through an extensive view of your benefit plans
  • Open investment architecture assists you in offering employees a broad range of investment options designed to meet their needs
  • Thought leadership on industry trends, innovative strategies and legislative issues
1Investment Advice is provided to plan participants solely through Advice Access.
2Institutional Investments & Philanthropic Solutions (Philanthropic Solutions) is part of U.S. Trust, Bank of America Corporation (“U.S. Trust”). U.S. Trust operates through Bank of America, N.A., member FDIC, and other subsidiaries of BofA Corp.


Thought Leadership

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