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The GTC Group

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Meet the Team

Supported by the global resources of Merrill, our 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.

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Daniel A. Kramer

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #112125

Tricia Kropp

Tricia Kropp

Trust Specialist

Bank of America, N.A.

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

Experience and Consistency

Teamwork and collaboration are at the heart of our culture. We combine the diverse talents and resources of our large, experienced team as we work together to create informed strategies to help you achieve your goals. As part of our commitment to personalized attention, our Financial Advisors are supported by a professional team of experienced Client Associates who are all committed to providing first class, attentive, high-touch service.

We work with uniquely successful, busy individuals and families who are concerned with preserving, growing and transferring their wealth to future generations. With offices strategically located in New York and New Jersey, we pledge to remain a constant in your life. The tailored strategies we provide extend beyond wealth management to virtually every aspect of your financial life—from investments and home financing to estate planning and life insurance to philanthropic desires.

Our commitment is not only to address your current needs, but also to anticipate and serve the financial needs of multiple generations of your family for many years to come. We believe that our teamwork and dedicated work ethic are just two of the many reasons that clients and their families have remained with us for more than two decades.

Our core business is helping you manage your financial life. We pride ourselves on being thoughtful listeners and it’s our relationship with you that serves as a foundation for that business.

We believe that the best roads are built with a destination in mind. One of the most rewarding parts of our job is getting to know you and your family to help you establish your goals and define your financial objectives. It takes a meaningful dialogue, not just a series of check boxes, to develop individualized and efficient strategies.

Beyond wealth and asset management, our goal is to help you make better, more informed decisions on a broader financial scale. From investments and home equity to credit and lending, from estate planning and charitable giving strategies to services for your business, we’ll look at the big picture and help bring all of the pieces of your financial live together. By coordinating with your other professional advisors—from accountants to attorneys to estate planners—the complex decision-making process needed to achieve your goals can be made more efficient and simplified.

The GTC Group works with successful business owners, including physicians and other medical professionals who are concerned with preserving, growing and transferring their wealth to future generations. With an understanding that your life is busy, we can help you manage your business and personal finances as two parts of one integrated whole.

Our goal is to take care of you while you take care of your patients. We can help you navigate all of the financial complexities of your personal and business investment management, including:

·         Cash management strategies
·         Credit and lending
·         Insurance
·         Asset preservation
·         Retirement planning
·         Estate and succession planning

Your needs and goals will change over time. That’s why The GTC Group will be there to provide ongoing advice – along with the exceptional service you deserve – through the ups and downs of markets and economic cycles.

We can help you navigate life’s most complex matters and bring clarity to your financial life through a variety of wealth management and banking services.

Concentrated stock holdings—We have considerable experience helping corporate executives handle the complexities associated with company stock options, restricted stock, and nonqualified deferred compensation, as well as with maximizing their retirement plan contributions. Every step of the way, we will assist you with diversifying and monetizing your holdings as part of a total portfolio strategy.

Retirement planning services—We offer guidance on developing a realistic outline for pursuing a comfortable retirement. Prior to retirement, we can recommend tax-advantaged long-term portfolios and income options so you may maximize the benefits from your company-sponsored offerings or other retirement sources. After you retire, we’ll offer investment strategies designed to generate income and help you track your spending to ease concerns about outliving your resources.

Credit and lending—You may also benefit from the experience of a Wealth Management Lending Officer from Bank of America, N.A. who can provide strategic and personalized home financing guidance focused on your needs. Working together we can draw upon an expansive array of home financing solutions designed to fit into your overall financial strategy and help you pursue your financial objectives.  The Wealth Management Lending Officer does not offer investment advice, nor make recommendation on investment products.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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 we can help you create a financial approach that reflects your personality. Only then can we 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.

      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.