Bill Gaines
Senior Vice President, Wealth Management Advisor
NMLS #521040
824 A1a N
Ponte Vedra Beach, FL 32082
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Our team of professionals distinguishes itself with financial experience and personal service.  We strive to earn your loyalty through hard work, the right advice, and a dedication to developing long-term relationships.

Bill has been a financial advisor since 1993 and joined Merrill Lynch Wealth Management in 2003. Bill and his team oversee and coordinate the financial affairs of a select group of families.

A graduate of Boston University, Bill lives with his wife, Kimberly and their three children in Jacksonville Beach, Florida.

We focus on:
Investment Planning
Credit and Lending*
Risk Management
Trust & Estate Planning Services*

*Banking, trust, and lending services provided by Bank of America, N.A.

About Me

As your Merrill advisor, I offer advice and guidance based on your goals and priorities -- for yourself and your family. Our approach to financial planning places you -- not the market -- at the center of our focus. I can help you understand the pros and cons of every potential decision, and help you maintain discipline so you can pursue your most important goals. As your needs or market conditions change, I will continue to collaborate with you and help you organize your financial life so that we can agree upon adjustments to your plan, as needed.

Meet Our Professional Staff
Catherine L Nolan
Wealth Management Client Associate
Shawn F Spencer
Registered Wealth Management Client Associate
Additional Resources
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.
Allison Mulgrew
Wealth Strategies Advisor
Bank of America, N.A.
Christina Manos
Regional Lending Specialist
Bank of America, N.A.
NMLS #869928
Ashley Disbrow
Wealth Management Banking Specialist
About Merrill

Bringing fresh perspectives to your financial life

The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.

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William Gaines is registered to do business in CA, CT, FL, GA, ID, MA, MD, NC, NY, OH, RI, TX, VA, WA.