Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
With over 25 years of experience in financial services, Gardy embarked on her career as an analyst with the Munich Re in Munich, Germany after graduation from Tufts University in 1990. Subsequent to receiving her MBA from Erasmus University’s Rotterdam School of Management in Rotterdam, the Netherlands, she joined Citibank as a Management Associate in their European graduate training program. Initially she was based with Citi’s Insurance Group Europe in Düsseldorf, Germany, and later moved to London to join Citibank’s offshore Wealth Management business as Product Manager, Marketing Director and ultimately Director of Business Development.
In 2000, Gardy joined a US-based early stage technology firm as a founding team member and established its London office and European business. She then returned to Citibank as Director, Wealth Management responsible for sales, marketing and product initiatives across Europe. Prior to joining Merrill Lynch in 2009, Gardy worked for a privately held asset based lender sourcing and completing due diligence on new financing opportunities. Gardy holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc.
She is a member of US SIF-The Forum for Sustainable and Responsible Investment and the Central Virginia Estate Planning and Charlottesville Area Planned Giving Councils. Gardy is President of teh Board of the Virginia Horse Center Foundation, Inc. and member of the USEF Dressage Sport Committee. In addition, this is her second year serving as Co-Chair of the Garden Club of Virginia's Conservation Symposium. Gardy speaks fluent English, Dutch, German and French.
I follow the deep-seated Merrill Lynch tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.
Dutch, English, French & German
Rotterdam School of Management Erasmus University
St Anne's Belfield School
HOSTED BY: Candace Browning, Michael Hartnett & Chris Hyzy
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.
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 # 1064809
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.
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*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.
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We will work to help you stay on track, regardless of what the markets are doing.