Boyd, Gibbons & Associates

push-top

Meet the 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.

Christina K. Boyd

Christina K. Boyd

Senior Financial Advisor

952.476.5613
Joseph D. Gibbons

Joseph D. Gibbons

Senior Financial Advisor

952.476.5603
Jeanne  Rosengren

Jeanne Rosengren

Financial Advisor

952.404.5911
Whitney R. Blasko

Whitney R. Blasko

Wealth Management Advisor

952.404.5923
Max A. Gardiner

Max A. Gardiner

Financial Advisor

952.404.5943
Benjamin M. Collins

Benjamin M. Collins

Investment Associate

952.404.5918
Dawn M. Yager

Dawn M. Yager

Registered Senior Client Associate

952.476.5609
Stephanie Starcevich

Stephanie Starcevich

Registered Senior Client Associate

952.476.5608
Britta Nesvold

Britta Nesvold

Registered Client Associate

952.476.5626
Kathy  Handel

Kathy Handel

Client Associate

952.404.5931

Additional Resources

The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.

Jeffrey Hyman

Jeffrey Hyman

UHNW Insurance Specialist

Joseph H McCullough

Joseph H McCullough

Trust Specialist

profile photo

Tim Perunovich

Wealth Management Lending Officer NMLS # 796681

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

Strategies to help you pursue your financial objectives

There's something to be said for experience, particularly the depth and breadth of experience of Boyd, Gibbons & Associates. Our entire team shares a common goal: to help you pursue your personal goals, such as planning for and funding your children's educations, helping to ensure that your money lasts in retirement, planning for your potential health care costs, and managing the transfer of wealth to the next generation. Many clients have relied on us for more than 34 years, from one generation to the next.

Clients, we believe, have come to appreciate our professional advice and guidance, as we strive for exceptional level of service, and we work together to develop and execute wealth management strategies built to help them pursue their short- and long-term financial goals.


A wealth management process designed to deliver clarity, intelligent portfolio diversification and adaptability
Boyd, Gibbons & Associates gives you full access to Merrill Lynch's wide range of tools. Using them with you, we'll learn about your assets and liabilities. We'll help you prioritize your financial goals and objectives, then place them in the context of your time line, liquidity needs and personal tolerance for risk. The end result: a wealth management strategy that is designed to help you move forward with clarity.

Investments are considered with your objectives in mind and are recommended only if we feel they have a place in your overall strategy. This team will work with you to reexamine your wealth management strategy whenever you need us to—and find fresh strategies that help to meet your new requirements.
Philosophy

It’s important to plan for your financial future, which means getting more than investment advice. We believe you may find value in a one-on-one relationship with someone dedicated to knowing who you are and what you want to accomplish. Someone who knows your kids’ names, how hard you worked to get where you are, how you define a successful life and how you view investing. Our commitment is centered in helping clients achieve their goals by making their needs and wants a priority. Our advice and strategies are guided by what’s important to you, and our success is defined by your satisfaction over time.

Process

We begin every relationship with a conversation, helping you to identify and prioritze which goals matter most to you. Whether thats transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, we start by listening to learn more about you. We'll examine several components – your life priorities, investment personality and financial situation – to help create an actionable strategy with personalized advice and measurable goals. We'll be here with you every step of the way, helping you track progress to your goals and working with you adjust your investment strategy over time.

Focus on High-Net-Worth Individuals and Business Owners

We offer clients a breadth of strategies, premier customer service and financial tools based on their unique circumstances. No matter what your goals may be, we begin by defining and prioritizing your financial goals based on the following seven areas: 

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

We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.

 



Capabilities

Our process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

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.

ML_Video_v2.jpg
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. Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. 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.


MLCampaign_WhyML_v3.jpg

We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





Transcript of Video

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.