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The Gurien Group


The Gurien Group

Wealth Management

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Merrill Lynch
Wealth Management
"When seeking advice from anyone; a lawyer, a doctor, an accountant; a financial advisor or their Uncle Billy one needs two things from them: Trust & Competence. If you do not think that you can trust Uncle Billy, or that he is not competent, you will not seek his advice. The same is true for all professionals. If you find someone that you can trust and is competent at what they do, hold onto them for dear life. We work very hard to earn trust and display competence to clients every day."

~ Adam Gurien

The Gurien Group

Focus on building meaningful financial relationships

The Gurien Group of Merrill 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 and the top-ranked BofA 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.

*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  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.

A holistic approach to growing client wealth

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 periodically review your progress and the market to help ensure challenges are overcome and goals are reached.

Securing a Comfortable Retirement

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.

A long history with New Jersey's healthcare community

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.


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

Adam J Gurien

Barron’s America’s Top 1,000 Financial Advisors:State-by-State in 2010 and 2011.

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.

Tricia Kropp

Tricia Kropp

Trust Specialist

Bank of America, N.A.

Aileen T. Takio

Aileen T. Takio

Retirement Plan Manager

Merrill Lynch

Cathy Chase

Cathy Chase

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #644463

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.

Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
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 strategy, 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

      We believe it’s important that you seek the advice and guidance of an experienced Merrill Lynch Wealth Management 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.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will help you 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 Wealth Management Advisor.

      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, we will help you build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your strategy as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.