Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Gilda holds the Chartered Financial Analyst® (CFA®) designation and is a CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. She is a First Vice President of Merrill Lynch and a Wealth Management Advisor since 1990.
Gilda and her team of specialists focus on providing individualized advice and strategies to high net worth individuals and families with complex financial problems. She carefully listens to client concerns and goals and then develops balanced portfolios specifically tailored to include:
- A focus on Retirement and Estate Planning services
- Education Planning
- Lending, including home financing and lines of credit through Bank of America, N.A
- Asset allocation guidelines
- Security or manager selection
- Monthly calls to review performance and changes in market or personal situations
She also focuses on non-profit organizations and small businesses, offering a holistic approach that covers all aspects of the creation of financial strategies that include credit and lending, pension and succession plans and appropriate investments.
Gilda's financial career spans more than three decades. Her tenure at Merrill Lynch, which began in 1979, includes time as a futures analyst, serving on the team that created Merrill Lynch International Bank, and, in the 1980's, as an interbank currency broker.
Gilda also served as a charter member and floor broker of the New York Futures Exchange, and as a bankruptcy analyst for a major hedge fund. During that time she sat on bondholders' workout committees.|Active in the community, Gilda was a Founder and First Chair of New York Youth at Risk, Inc. She is married to Dr. Marc Borenstein. They have two sons, Daniel, 21 and Michael, 19. She has three step children, Sarah, Jason and Josh, ages 29-41 and two grandaughters.
*CFA® is a registered trademark of the CFA Institute.
*CFP® is a certification mark owned by the Certified Financial Planner Board of Standards, Inc., and is awarded to individuals
who successfully complete CFP Board’s initial and ongoing certification requirements.
*NMLS ID 578342
*Asset allocation does not ensure profit or protect against loss in declining markets.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
SUNY Stony Brook
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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.
Wealth Management Lending Officer
We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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 you stay on track to 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.
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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.
As Merrill Lynch Wealth Management 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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Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, 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.