Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

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Profile

Gary F. Ferreira, CIMA®, CFP®, CRPC®, CPWA®, CAP®

Gary F. Ferreira, Senior Vice President, Wealth Management Advisor, joined Merrill Lynch Wealth Management in 2004 and has been providing financial advice and wealth management services for over 33 years to high net worth families, corporate executives, small/medium sized businesses,family foundations and non-profit entities. He strives to help clients preserve, grow and transfer their wealth through customized financial strategies and disciplined asset management, working closely with their tax and legal advisors. His goal is to establish long-lasting client relationships through maintaining the highest standards of integrity, professionalism and service.

Gary is a CERTIFIED FINANCIAL PLANNER™ professional, CFP®, awarded by the Certified Financial Planner Board of Standards, Inc. He holds the CERTIFIED INVESTMENT MANAGEMENT ANALYST® (CIMA®) designation, administered by the Investments & Wealth Institute™ and taught in conjunction with The Wharton School, University of Pennsylvania. He also holds the Chartered Retirement Planning CounselorSM (CRPC®) designation.

Gary holds the CERTIFIED PRIVATE WEALTH ADVISOR® (CPWA®) designation administered by the Investments & Wealth Institute™ and taught in conjunction with the University of Chicago Booth School of Business. He also holds the CHARTERED ADVISOR IN PHILANTHROPY® (CAP®) designation administered by The America College.

Gary graduated from Boston College in 1984 with a B.A. in Mathematics from the School of Arts and Sciences and is active in the Boston College Alumni Community. He resides in Marshfield, Massachusetts with his wife Maureen and their three daughters.

I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.

  • LANGUAGES

    English

  • EDUCATION

    Boston College

Professional Staff

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.

Additional Resources

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.

Andrew G Colpoys

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #481168

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, 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

Wealth management requires insight, perspective and intellectual capital. For this important relationship, you need the help of a highly trained professional—someone who is intimately familiar with your family’s dynamic and has the experience and professional acumen to establish a wealth management strategy to help achieve your most cherished goals. 

Since 1985, I have been providing highly personalized services and strategies for the complex lives of wealthy families, corporate executives and business owners’, including next generation education programs, innovative philanthropic strategies, family foundations and other non-profit entities. Working with a limited number of clients by design gives my dedicated client associate and I the time to provide individualized service and superior responsiveness to understand your needs, wants and dreams.

I am proud that many of my client relationships span several decades and multiple generations. Over time, I’ve realized that these relationships have less to do with the financial markets, and more to do with understanding your goals and dreams and how I can best serve your needs.

Dedicated to Lifelong Learning

It is of the utmost importance to me to be proactive and to stay ahead of the ongoing changes in your situation and the financial environment. I bring the essential academic, professional and financial training necessary to serve all of your wealth management needs.

Continually improving my skills and knowledge and routinely taking courses on a wide range of wealth management topics helps me stay abreast of new ideas, innovative approaches and important industry trends. 

In addition to being a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional certified by the CFP Board of Standards, Inc., I hold the Certified Investment Management Analyst® (CIMA®) designation, administered by the Investments & Wealth Institute™ and taught in conjunction with The Wharton School, University of Pennsylvania. I also hold the Chartered Retirement Planning CounselorSM (CRPC®) designation, awarded by the College for Financial Planning, the Certified Private Wealth Advisor® (CPWA®), administered by the Investments & Wealth Institute™ and taught in conjunction with the University of Chicago Booth School of Business, and the Chartered Advisor In Philanthropy® (CAP®) designation, administered by The American College.

More important than the intellectual strength this education represents, I have more than three decades of experience when it comes to developing and implementing practical strategies with your unique needs in mind. By coordinating my services with the services of your other professional advisors, the complex decision-making process needed to achieve your goals can be made more efficient and simplified.

Strategic Execution Across Generations

One of the most rewarding parts of my job is getting to know clients and their families. I am honored that so many of them have been with me for years. Quite often, managing their wealth involves serving as a bridge between the different generations of their families. I strive to build relationships with your children and grandchildren and feel it is important to start having conversations about money management and spending issues at an early age. 

At your request, I will include your heirs in our meetings, so that they are already familiar with me when the time comes for them to take charge of their own finances. I see every interaction with you and your family as an opportunity to listen and learn and I believe that healthy communication is integral to your satisfaction – and your success.

Management of Family Foundations

Many of the multi-generational families I serve are looking for my guidance to help make their philanthropic giving more fulfilling and effective. 

Drawing on my deep experience and resources in this area, I can help you design and implement a private foundation to help your family achieve its personal vision by focusing on what’s most important to you. With an understanding that every philanthropic strategy is a unique and personal expression of a family’s values, I can help put your assets to work so they can transform your charitable goals into meaningful action. 

For families looking to pursue their philanthropic goals with a more structured way of giving, I can help manage donor-advised funds and create a customized giving strategy that aligns with your finances and expresses your specific values and interests. 

Another growing trend with philanthropically minded families who want a portion of their investments to reflect their values, is socially responsible investing. I can help you create an investment strategy that seeks to make investments in organizations that reflect your personal preferences and target the causes and issues you care about most. 

*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.
 

Staying on Track

We understand that both your life and the financial markets can change over time. By 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.



Reviews to help you
stay on track

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.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    #DigitalMerrill

    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

      Let’s Have a Conversation

      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.

      Why Merrill?

      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.


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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 Wealth Management Advisor.



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      Transcript of Video 

      No question too big or moment too small

      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

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

      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.

      Adjusting your investment approach as your life and the markets change.

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