Planning for healthcare expenses now and in the future
- Long-term Care Insurance3
- Health Savings Account2
- Disability Insurance3
Accessible, knowledgeable and experienced, I am committed to building and maintaining strong client relationships. I am passionate about what I do and I bring that passion to helping every client make what may be the most important financial decisions of their lives.
With over 30 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 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 the current President of the Board of the Virginia Horse Center Foundation in Lexington, Virginia and former member of the USEF Dressage Sport Committee. In addition, this is her fourth year serving as a member of the Garden Club of Virginia's Conservation Committee. Gardy speaks fluent English, Dutch, German and French.
Dutch, English, French & German
Rotterdam School of Management Erasmus University
St Anne's Belfield School
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
Supported by the global resources of Merrill, 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 Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Bank of America, N.A.
Employee Benefits Specialist
Bank of America, N.A.
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.
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.
We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.
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We will work to help you stay on track, regardless of what the markets are doing.
Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.