Guarneri Kabot Bollag. & Associates

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1 Guarneri Kabot Bollag & Associates

2 Our values Client trust is essential. Every member of our team is dedicated to helping clients reach their goals. When everyone shares the same vision and works toward it, success can be attained. We believe this is the best way for Financial Advisors to work. Joe Guarneri, CFP, CLU, ChFC First Vice President Investments Financial Advisor Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

3 We strive to make your dreams a reality GKB & Associates is committed to providing clients with the best of both worlds the global reach of a world-class wealth management firm and the accessibility and personal touch of a specialized team of Financial Advisors. We know that your goals are personal. Investing is personal too; only by understanding your needs and priorities can we help bring your dreams to life. We work diligently to develop a customized strategy tailored for each client s vision for the future. Charlie Merrill founded Merrill Lynch on the premise that clients always come first. GKB & Associates always adheres to this belief. The personal way we work with clients and the disciplined approach we take have your interests at heart. We believe this is the best way to help you achieve the life you want. 3

4 Our process The key is learning as much as we can about our clients. The better we know them, their families and financial needs and goals, the more effectively we can customize investment strategies. Stefani Bollag, CFM, CRPC Vice President Financial Advisor

5 Distinct solutions for individual needs We understand that each investor has unique aspirations, and there is no single strategy that can meet every client s needs. GKB & Associates works with professionals, entrepreneurs, families and individuals around the world. We provide retirement, trust and estate planning services, banking and personal lending solutions, investment strategies and other family- and business-related financial services. We provide combinations of these services to help meet your individual needs. During our first meeting, we will endeavor to learn as much as possible about you and your family. We will ask questions about what you do and about what you are most passionate. After a robust analysis of this information, we will present you with investment strategy choices. At your request, we will work closely with your attorney, CPA, estate planner and other professionals to implement your financial strategy in a seamless manner. We want you to feel confident that we have designed and executed a realistic strategy to help ensure you do not outlive your money and that you can attain and enjoy the future you envision. 5

6 Our philosophy We believe that a risk-based investment approach is the best way to build wealth and we work to help satisfy your long-term needs with discipline and vigilance. Steven Kabot, CFM First Vice President Investments Financial Advisor

7 A balanced approach to investing Financial success is measured not only by the ability to build wealth, but also by the ability to preserve it. We believe that a risk-based approach is the best way to pursue solid, long-term results. This does not mean we do not pursue growth it means we balance the desire for growth with the need to manage risks over time. To that end, we avoid fads and look for investments we believe have true value. Utilizing the Merrill Lynch platform, GKB & Associates has access to a broad range of investments from around the world. Our team researches each opportunity with the goal of determining whether the proposed investment is something that has the potential for long-term value to clients. We analyze the underlying assets, economic forces, political changes and growth potential that may (or may not) make it worth the price in the long run. Additionally, we seek to manage risks and consider the potential downside of any investment to the best of our ability. We help clients determine the acceptable level of risk for an investment based on the desired level of growth expected. If we believe an investment exceeds this threshold, we will not recommend it. With this disciplined approach to investing, we have helped many families pursue their long-term goals. 7

8 Our commitment to clients GKB & Associates contributes its individual strengths and talents to making every interaction with you exceptional. It is a commitment we bring every day, ultimately helping to keep you on track to achieve the life you desire. Joe Guarneri, CFP, CLU, ChFC, First Vice President Investments, Financial Advisor Steven Kabot, CFM, First Vice President Investments, Financial Advisor Stefani Bollag, CFM, CRPC Vice President, Financial Advisor

9 Commitment. Consistency. Results. GKB & Associates is fully committed to clients. We have built an experienced team with a strong infrastructure that enables our Financial Advisors to spend most of their time focused on clients and their investments. We take our responsibility to you and your family seriously, looking to provide you with an extraordinary experience time and again. We understand that consistency is key in any relationship. We strive to give you a reliable approach, a dependable team and a superior experience every time. We extend the hands-on, personal approach we take with your portfolio to provide you with outstanding personal service. You can call us at any time for any reason. Our goal is to deliver results that exceed your expectations. There are many ways, however, to gauge results. We do not simply look at returns achieved. In fact, we measure your success by each goal we help you to accomplish and by your satisfaction. We hope that you will tell us how we can improve your experience, because we truly believe that clients come first. 9

10 Your team Left to right: Steven E. Kabot, Stefani B. Bollag, Eileen Flanagan, Michele Leonhardt and Joseph J. Guarneri GKB & Associates offers a wealth of experience. Collectively, our Financial Advisors have been in the financial services industry more than 60 years. Additionally, they are supported by a highly skilled team of client associates.

11 Joseph J. Guarneri, CFP, CLU, ChFC First Vice President Investments Financial Advisor As a founding member of GKB & Associates, Joe Guarneri coordinates the team s investment strategy and asset allocation models, as well as overseeing investment selections. He focuses on helping clients develop retirement strategies that emphasize both wealth creation and distribution. Joe began his career at Merrill Lynch in 1985, after graduating from St. John s University with a degree in Political Science and Accounting. He holds Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations. He is also a CERTIFIED FINANCIAL PLANNER TM (CFP ) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Joe is also a member of Merrill Lynch s Circle of Excellence. Joe, his wife, Tania, and their two children live in New Jersey. 11

12 Steven E. Kabot, CFM First Vice President Investments Financial Advisor A founding member of GKB & Associates, Steve Kabot is responsible for reviewing the market and overseeing the equity and high-net-worth alternative investment strategies for the team. He also oversees the team s daily operations. Steve joined Merrill Lynch in 1989, after graduating from Emory University with a degree in Economics. During his tenure at the firm, he earned his MBA in Finance from Fordham. Steve is also a member of Merrill Lynch s Circle of Excellence and, in 1999, earned the Certified Financial Manager (CFM) designation, which is an internal Merrill Lynch self-study curriculum based on a variety of wealth management topics and a course exam. Steve lives in Westchester, New York, with his wife, Jacqueline, and their daughter, Carly. Steve and his wife are actively involved with the Pediatric Cancer Foundation and the Lymphoma Research Foundation. 12

13 Stefani B. Bollag, CFM, CRPC Vice President Financial Advisor As a founding member of GKB & Associates, Stefani is responsible for developing wealth preservation strategies. She comprehends what is most important to clients and/or their businesses. Based on her analyses, she recommends investment and balance sheet solutions designed to help solve specific needs. Stefani utilizes Merrill Lynch s structured and lending platforms, and our institutional money management program on behalf of the team. Stefani came to the Global Wealth Management group at Merrill Lynch in 1996, after graduating from Lafayette College with a degree in Economics and Business. She holds the Chartered Retirement Planning Counselor SM (CRPC ) designation and, in 2002, earned the Certified Financial Manager (CFM) designation, which is an internal Merrill Lynch self-study curriculum based on a variety of wealth management topics and a course exam. She is also a member of the Chairman s Club, an internal recognition program that acknowledges top-producing Financial Advisors at Merrill Lynch. Stefani lives in New York City with her husband, Adam. She plays an active role in the Gabrielle s Angel Foundation for Cancer Research. Along with four other executives, Stefani founded the Merrill Lynch Women s Mentoring Program. 13

14 Eileen Flanagan Senior Client Associate Eileen has been with Merrill Lynch for more than three decades and is responsible for handling client operational and service needs. Her professionalism, integrity and focus are indicative of how we approach clients. Her proactive stance helps ensure that client questions and needs are being answered on a timely basis. Eileen lives in Staten Island. Michele Leonhardt Client Associate Michele has been with the team since 2007 and is the first voice a client hears when calling our office. She plays a valuable role in the creation and updating of client lists, reviews and mailings, and also coordinates our team s schedule. Michele is also responsible for many day-to-day client needs. She lives in Brooklyn with her two children. 14

15 GKB & Associates South Tower 2 World Financial Center Floor 40 New York, NY (212) stefani_bollag@ml.com Call or us for further information. Every day, clients are achieving the life they want because of the advice and help they receive from their Merrill Lynch Financial Advisor.

16 GKB & Associates South Tower 2 World Financial Center Floor 40 New York, NY (212) (212) stefani_bollag@ml.com Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net worth investors. Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their tax and legal professionals. L CERTIFIED FINANCIAL PLANNER and CFP are certification marks owned by Certified Financial Planner Board of Standards, Inc., and are awarded to individuals who successfully complete CFP Board s initial and ongoing certification requirements. Chartered Retirement Planning Counselor is a service mark and CRPC is a registered service mark of Apollo Group, Inc Bank of America Corporation. All rights reserved Code PM-1109