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The Gsell Group

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Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

Bruce E Gsell

Barron’s Top 1,200 Financial Advisors in 2016-2020

Financial Times –“Top 401 Retirement Plan Advisers” 2016 - 2019

Barron’s “Top 30 Institutional Consultants” 2017

Wealth Management “Top 100 Wirehouse Advisors in 2016

Forbes “Best-in-State Wealth Advisors”  2018

Goran Bojovski

Forbes/SHOOK “America’s Top Next-Generation Wealth Advisors” 2018

Barron’s “Top 50 Institutional Consultants” 2018, 2019 and 2020

Barron’s “Top 30 Institutional Consultants” 2017

Financial Times –“Top 401 Retirement Plan Advisers” 2015-2019

Barron’s Top 1,200 Financial Advisors in 2016-2020

Who We Are

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.

Tricia Kropp

Tricia Kropp

Trust Specialist

Bank of America, N.A.

Margaret M Brennan

Margaret M Brennan

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #644484

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

Through a one-on-one relationship with The Gsell Group, the Merrill financial advisory team designated to serve KPMG Partners and Managing Directors, you’ll have the support and guidance to help you pursue your financial goals while having your trading activity reported directly to your firm.  Plus, you’ll enjoy the ability to view all your investment and banking accounts through one web portal.

This web page is exclusively for KPMG Partners and Managing Directors as part of the KPMG and Managing Directors Savings & Investment Program. Others should exit the web page immediately.
KPMG Partners and Managing Directors are individually responsible for complying with the allowable investments under the KPMG Partners’ Savings & Investments Program and KPMG independence requirements, and nothing on this website shall supersede those requirements.

Wealth Management Strategies: A broad range of capabilities

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Click here to learn more about our Partner Program (PDF)

The Gsell Group can help KPMG Partners and Managing Directors manage and build their wealth in accordance withtheir firm's independence rules. We can work with you to develop strategies to help you pursue your most important goals, whether you wish to save for your retirement, a child’s education, purchase of a home or build a legacy. What’s more, for each account you enroll in through the KPMG’s Broker Import Program, you’ll enjoy the convenience of having your trading activity reported directly to the firm. Here are some of the many areas in which we can assist you: 

  • Financial analysis — We can help you with various aspects of wealth management, including investing, planning for retirement, tax-minimization strategies, education funding, wealth transfer, and income and asset preservation.
  • Wealth preservation and transfer — To help you preserve and pass on the assets you've acquired over your lifetime, we may suggest a mix of strategies, income and credit management and estate planning services.
  • Tax-minimization strategies — Working with your tax advisor and estate planning attorney, as well as Merrill specialists, we can develop strategies designed to help you offset large taxable gains. Additionally, we can help project your potential tax liability in retirement and use these projections to structure your portfolios more efficiently.
  • Education Funding — If one of your aims is to finance your children's or grandchildren's higher education, we can help you estimate the cost of college in future dollars, illustrate the potential growth of college savings plans an suggest investing strategies.
*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized.

BofA Global Research is equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

 

Merrill Personal Savings & Investment Program

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Click here to learn more about our PSIP program (PDF)

 
The financial advisors of The Gsell Group have been selected by Merrill to manage this program due to their extensive experience working with KPMG Partners and Managing Directors over the years. Team members can offer risk-appropriate investment strategies with one-on-one guidance to help you pursue you financial goals while helping you comply with KPMG independence requirements.  
 
Independence compliance is ultimately the responsibility of the KPMG Partner and Managing Director. However, The Gsell Group's coordination with KPMG for clearance of securities in the Personal Savings and Investment Program (PSIP) portfolios, coupled with participation in KPMG's Broker Import Program, can assist KPMG Partners and Managing Directors with their independence compliance requirements. Partners and Managing Directors will be asked to activate the Broker Import feature on this account as part of this program offering. 
 
The portfolios offered through the KPMG Personal Savings and Investment Program are designed to be cost-effective, focused on tax efficiencies and exclusively priced for you.
 
In addition, we can design an overall portfolio to complement your investments in the PSIP to create an overall investment strategy tailored to your needs and goals. Further, after you retire, we can recommend investment strategies designed to help generate income and track your spending to ease concerns about outliving your resources. 
 
We are able to bring this overall program together by:

  • Leveraging the insights, efforts and vast resources from award-winning* BofA Global Research and its analysts.
  • Customizing services, investment strategies and portfolios based on our professional perspective and a range of investment objectives and risk profiles designed for you situation.
  • Offering dynamic and diversified exposure to select market segments, meant to give you the opportunity to fulfill a wide spectrum of strategies.
  • Employing thoughtful, experience-based and tactical asset allocation that we believe will help your investments be resistant to market volatility.
*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized.  BofA Global Research is equity research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

* Institutional Investor magazine announced BofA Global Research as one of the top global research firms from 2011-2019 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to https://www.institutionalinvestor.com/research/8959/Overview.  Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

Banking Program

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As a KPMG Partner or Managing Director, you'll have access to Bank of America's robust portfolio of services, including customized pricing to support this program. In addition, you'll have the convenience of a single point of contact, 24-hour online account access and a single sign-on to all your online accounts, making it possible for you to oversee your entire financial picture with ease.
 
We work with specialists from Bank of America, N.A. who can

  • Help you develop a strategy tailored to manage your liquidity needs, your debt, and your savings.
  • Offer you insight and information on the expansive array of cash management, credit and lending service.
KPMG Mortgage Program:

We can help you pursue your homeownership goals and save with reduced pricing

As a KPMG Partner or Managing Director, you have access to special pricing on Bank of America home financing solutions that could save you thousands of dollars in interest over the lifetime of your loan. Click here for details on the program.

Our Philosophy

We live in a world that’s constantly changing. Markets fluctuate moment to moment. New investment opportunities arise daily. Regulations are amended often. That’s why we believe that you and your situation are the best starting points from which to plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because only by understanding you and your priorities, can we effectively offer our experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Capabilities

Our  process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

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.