Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
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The Gurien Group of Merrill Lynch draws on a vast array of knowledge and experience to assist you in meeting the myriad of financial challenges your family will encounter during your lifetime and legacy. Whether planning for life's events or identifying and implementing investment strategies, we will guide you and those you care about to a successful financial future.
Your financial future is made up of numerous components from the birth of a child through estate planning. All of life's events should not be viewed in the vacuum of each, but as a whole working together. In this manner you will always be adequately prepared and able to take advantage of the many changes that occur within your family, the financial markets and the greater world at large.
Utilizing the intellectual capital of Merrill Lynch and the top-ranked BofA Merrill Lynch Global Research*, we can help you make sense of change and seek to capitalize on it. Our strategic portfolio allocations are designed to help enhance the growth and preservation of your wealth in order to afford you and your loved ones enduring benefits.
Our in depth and sophisticated planning tools will help you view your overall financial situation and allow us to continually illustrate the changes you should make in order to realize your goals and objectives while maximizing investment and taxation efficiencies.
For most people securing a comfortable retirement is the most important financial challenge ahead of them. For some it’s legacy planning, for others it’s the worry over a disabled child or planning for college. Regardless of your circumstances, our process begins with a conversation about your goals and aspirations.
We then assist you in formulating specific goals and objectives in order to meet any concerns and fulfill your aspirations. Next we conduct a thorough cost and investment analysis of your current financial situation identifying strengths and weaknesses in order to tailor a recommended plan of action.
After the implementation of our strategy, we continually monitor your progress and the market to ensure challenges are overcome and goals are reached.
Imagine that the amount you need in retirement is akin to a bus ticket. If you go to Las Vegas with one hundred dollars and a bus ticket, would you cash in your bus ticket to try and make your one hundred dollars back? For most people, the answer to that question is no.
At the Gurien Group, we will help you determine how much you need for your "bus ticket." Once we identify how much you need, then we can assess if you are ahead, on target or behind your path to a comfortable retirement. That conclusion will allow us to assist you in properly allocating your investment assets.
Further, every financial decision you make in your life should be based on how you are doing for retirement. What type of mortgage, if any, the type of insurance, how to finance college costs, estate planning, etc. should all be assessed in the context of what you need in retirement. It’s not that you will not do all of these things, it’s about ensuring that you do them in a financially prudent manner that maximizes your after tax retirement income.
Finally, our team will construct for you an in-depth retirement analysis that will take into account not only your financial condition as it exists today, but future variables and events.
The Gurien Group has partnered with New Jersey's healthcare community for decades. We offer access to a wide variety of financial benefits. We understand the distinct financial needs of the healthcare community and are proud to offer complimentary financial assistance on a broad array of financial concerns from retirement planning services and wealth management to employee benefit programs, insurance analysis, mortgages, the evaluation of high-level credit and lending needs, planned giving and endowment investment management.
Representatives of The Gurien Group are always willing to accommodate your busy and often unpredictable schedule. You can also call us at any time with a question or concern and receive a prompt and knowledgeable response.
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.
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.
Director, Retirement Plan Specialist
Senior Wealth Management Lending Officer NMLS # 644463
We along with your tax professional can help you understand how it might affect your investment 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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
*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.
We believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, identify strategies that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management strategy for the future.
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.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.
Getting to know you is our primary goal.
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.
We will work to help you stay on track, regardless of what the markets are doing.