712 INVESTMENT GROUP

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Meet the Team

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.

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.

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Michael J. McGivney

Retail Sales Manager NMLS # 59972

Louis P Giambertone

Louis P Giambertone

Insurance Specialist

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

Focusing on You

The 712 Investment Group is a multidisciplinary team of highly skilled, compassionate financial professionals with more than 100 years of combined financial services experience. With offices strategically located in New York City and San Francisco, we offer personalized advice and guidance by combining the intimacy of a small family office with the investment insights of Merrill Lynch and the banking convenience of Bank of America.

The 712 Group focuses on three client segments:

  1. Families and individuals (multigenerational families, corporate executives and small-business owners)
  2. Foundations and endowments (public and private)
  3. Retirement plan services (qualified and nonqualified plans for medium and small businesses and the self-employed)
We are 100% referral-based and do not prospect for new clients. This allows us to dedicate all our time to maintaining and deepening existing relationships.

Your Future Begins With a Conversation
Every relationship we build begins by exploring your aspirations for your lifestyle now and in the years to come for every generation of your family. We start by listening to you to gain a deep understanding of the moving parts of your financial life. Recognizing the concerns that can affect your family and finances — today and in the future — can put us in a better position to help you develop a wealth management strategy uniquely tailored to your circumstances.

We take an overview of your entire financial life, from your wealth transfer plans to your income and total assets, to develop suggestions, free of emotion and tailored to your goals, liquidity needs, time horizon and risk tolerance.

The customized strategies we offer include a wide range of financial services:

  • Investment and retirement income planning services
  • Estate planning services and wealth transfer strategies
  • Philanthropic and charitable giving strategies
  • Education funding strategies
  • Access, through Bank of America, to banking and lending services and to help with trusts
  • Insurance and annuity review
We are driven to continue to develop lifelong relationships that evolve with the lives of clients and their family members to help secure their family's legacy for generations to come.
Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. We’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
We 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.

Helping You Make Your Philanthropic Giving More Gratifying and Impactful
For more than a decade, The 712 Investment Group has been working with internal specialists to help affluent families, foundations, charities and endowments address their unique charitable objectives. Whether you are in the early stages of giving back to your community, in the process of creating an enduring legacy through family philanthropy, starting a new trust or foundation or need support for an existing program, we are equipped to help you pursue your personal charitable objectives.

Working with Bank of America specialists, we are prepared to help you design and implement philanthropic strategies in a variety of areas, including:

  • Donor-advised funds
  • Foundations and endowments
  • Small family foundations
  • Large public foundations
  • The review and update of investment policy statements, with the help of a specialist from Bank of America Merrill Lynch Global Institutional Consulting
*Global Institutional Consulting (“GIC”) is part of the Global Wealth and Retirement Solutions business of BofA Corp. Institutional Investments & Philanthropic Solutions (Philanthropic Solutions) is part of U.S. Trust, Bank of America Corporation (“U.S. Trust”). U.S. Trust operates through Bank of America, N.A., member FDIC, and other subsidiaries of BofA Corp. For both GIC and Philanthropic Solutions, banking and fiduciary activities are performed by wholly owned banking affiliates of BofA Corp, including Bank of America, N.A. Both brokerage and investment advisory services are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC), and registered investment adviser; the nature and degree of advice and assistance provided, the fees charged, and clients’ rights and MLPF&S’s obligations will differ depending upon the products and services actually provided. Global Institutional Consultants mentioned herein are registered representatives with MLPF&S and may assist you with investment products and services
Helping Meet the Needs of Retirement Plan Sponsors
As an employer, you understand the critical role a well-designed retirement program can play in helping to attract and retain highly talented employees, meet your fiduciary obligations, make the most of your business assets and assist your employees with their retirement savings goals.

We can help you address the various facets of designing defined-benefit and defined-contribution plans, including:

Needs assessment—We can work with you to understand and evaluate your business requirements and assess the various types of retirement plan programs that may be appropriate for your organization.
Investment analysis and menu selection—We can assist you in developing methods for maintaining an investment menu and creating a review schedule for funds.
Employee communication and education—Working with Merrill Lynch financial advisors throughout the country, we can conduct enrollment meetings, educational sessions and ongoing communications with your employees.

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





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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.