Shyam Gopalaswamy

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Profile

Shyam is a Financial Advisor located in Princeton, NJ. He has been in financial services for over 16 years. Shyam’s tenure over those years have enabled him to realize the need for prudent risk management during all kinds of market cycles while recommending tax-efficient wealth management services purely aligned to his client’s achievable goals and aspirations.

Value Proposition:

Shyam's vision is to build a practice that is designed towards meeting the growing demand from clients with their professionals - Transparency,Commitment and Credibility.

Transparency

I strive to educate and have an open dialogue about services offered, so clients feel comfortable right from the start about what to expect and their associated costs.

Commitment

My success and growth is purely a function of my client’s success by continuously working together in preserving and growing their wealth.

Credibility

I am constantly upgrading my capabilities to keep up with latest trends by means of continuing education and training. Ultimately to build a solid knowledge and experience base for clients to use me as a resource.

Process:

Shyam’s process is very simple yet thorough. It begins with getting a solid understanding of you and your family, gathering critical personal and financial data, performing detailed analysis and only after a comprehensive study does he recommend his strategies.

At the end of that process, clients receive a goals based plan and it is important that only after assessing the costs versus the value of his services the clients decide to hire his services.

Equally important is to continue the process by actively monitoring and meeting periodically with his clients to review progress and course correct if necessary in addition to collaborating with his clients other professionals like CPA's and Estate attorneys.

Team:

Any serious business cannot continue to grow without a solid team backing it. Shyam is fortunate enough to have one. His team has over 20 years of collective experience in providing sound financial guidance and is supported by a dedicated client associate who takes care of their client’s ongoing needs.

Critical to his team’s success is their ability to pull in various specialists and their expertise in addressing some complex needs of their clients.

In addition Shyam’s financial background enables him to compliment these services by leveraging Merrill Lynch’s award winning research and its sophisticated tools and technologies to the benefit of his clients.

Capabilities:

Some of the areas that Shyam and his team focusses on are as follows.
  • Retirement planning and access to fiduciary services for 401(k)’s, IRA’s and traditional brokerage accounts for Individuals and Businesses.
  • College Savings plan’s through 529 accounts.
  • Wealth transfer strategies such as Trusteed IRA’s, Marital Trusts, Dynasty Trusts and SLAT.
  • Complex strategies using Options for concentrated stock positions.
  • Managing Endowment accounts for Temples and Non-profits as per their Investment policy.
  • Alternative Investments* such as Private Equity transactions for qualified and accredited Investors
  • Housing finance and commercial lending needs through Bank of America, N.A
  • Business succession planning and sale of ownership held in qualified privately held businesses.
  • Structured lending for qualifying deals that are specialized and complex to underwrite in general.
  • Traditional life Insurance and Long term health care insurance strategies.

Professional Background:

Prior to joining Merrill Lynch Shyam held various positions in financial risk management at various fortune 500 companies since he graduated from college (2001). Shyam attended the University of Missouri where he earned his MBA in Finance prior to which he attended the University Of Madras, India where he earned his Bachelors in Engineering.

In order to better serve his clients Shyam obtained the Certified Investment Management Analyst® (CIMA®) designation awarded by the IInvestments & Wealth Institute™ after completing required coursework from University of Pennsylvania’s Wharton school of business.

Personal Background:

Shyam was born in India and later on moved to the US in 1999. He currently lives in East Windsor, New Jersey with his wife, their 12 year old son and 8 year old daughter. He enjoys travelling with his family and his favorite time pass is learning and cooking various cuisines.

Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Merrill Lynch Financial Advisor.
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.


Community engagement:

 
Shyam is very passionate and deeply involved with many nonprofit’s, particularly charitable organizations in the community.

He currently serves as Advisor to the Board of Trustees at ACOD, the American Conference on Diversity. ACOD is dedicated to building just and inclusive schools, workplaces, and communities through awareness, education, and advocacy.

He also serves as a Trustee at an Indian Hindu faith based charitable organization that strives to uplift women and treat all as equal irrespective of race, color, gender or faith. He actively organizes cultural events to support local food banks and communities in need of assistance.

His long term ambition is to dedicate a sizable portion of his resources to help fight hunger and starvation for human beings across the globe.

  • LANGUAGES

    English, Hindi & Tamil

  • EDUCATION

    University of Madras

    University of Missouri-Kansas City

Professional Staff

Supported by the global resources of Merrill Lynch, 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 Financial Advisor if you have questions about how a specialist might be able to assist you.

Daniel B Rosenthal

Daniel B Rosenthal

Insurance Associate Specialist

Karen Gower Hofrichter

Karen Gower Hofrichter

Senior Wealth Management Lending Officer, NMLS #589277

Michael A DiGiuseppe

Michael A DiGiuseppe

Structured Credit Executive

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

Welcome

Among the reasons I chose to become a financial advisor is because of my passion for helping to educate my clients about investing. As a financial advisor, one of the most valuable things I can do for clients is to help them understand the markets, my investment process and to help them understand their life priorities and the impact this can have on their wealth management strategy. My advice and strategies are guided by an interest in your life’s goals and priorities.

Focus On Individuals and Families

I work primarily with high-net-worth individuals and families. I’ll begin by getting to know you as we explore the following seven priorities together:

  • 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
I 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.

Approach

I begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's 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, I start by listening to learn more about you.

Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, I can help customize the financial strategy we develop together.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.

Cost Structure

One of my value proposition to my clients is to be transparent in our services and the associated costs for each. This empowers them to decide what they can and cannot afford in alignment with what services they need.

While we do not turndown requests for guidance from anyone, we do reffer clients in their accumulation stage and who may be fee sensitive to use our self-directed low cost model through Merrill Edge. Please visit https://www.merrilledge.com/ to learn more.

For most other clients, we offer services based on a combination of the following depending upon the strategies we design.

- Fee based Fiduciary advisory services through the Firm’s Investment Advisory Program where clients pay an annual fee as a certain percentage of the assets under management. This fee is charged to their account on a monthly basis.

- Transactional costs are fee’s and expenses that are associated with certain types of strategies that do not require on-going advice and guidance. These are one time charges and are not recurring like the one above.

Just like our strategies that are custom built to our clients needs, so is our service model. They could be either one of the above or in most cases a hybrid of the two but in various propotions, details of which will be clearly stated in our proposals.

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.

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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

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I 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.


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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 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.