Michael J Garand

Managing Director, Private Client Advisor

Professional Profile

Michael Garand is a Managing Director and Private Client Advisor at Bank of America Private Bank based in Boston, Massachusetts.  As the strategist for his ultra-high-net-worth client relationships, he coordinates a wide range of resources across multiple disciplines designed to help business owners and their families prepare to transition wealth from their business to a personal investment strategy. He is committed to providing thoughtful, innovative advice and guidance tailored to clients’ individual financial goals and wealth management complexities. 

Michael leads a locally based team of specialists from the Private Bank with many years of collective experience serving a diverse clientele in central Massachusetts. Leveraging team members’ skills and knowledge, he offers services to help clients manage wealth throughout their lifetimes and leave a legacy for future generations. These include strategies for wealth planning and structuring and portfolio management, as well as trust and estate planning services and  customized banking and lending solutions.      

Michael’s financial career spans more than three decades. He joined the Private Bank (formerly U.S. Trust) in 2007 as the city executive for the Worcester office. Previously, he was a division manager for Citizens Investment Services with responsibility for directing and managing the company’s investment program in Massachusetts. Michael earned a B.A. degree in business management from Providence College. He is a CERTIFIED FINANCIAL PLANNER™ professional.

Actively involved in the Worcester community, Michael is a board member of the Worcester Regional Chamber of Commerce as well as the Worcester Research Bureau.  He is also an active member of the Worcester Estate and Business Planning Council and the Worcester Economic Club and serves on the committee for his local Boy Scout Troop in Southborough. 

*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.


  • Provisors-Framingham Group Leader
  • Worcester Economic Club
  • Worcester Estate and Business Council
  • Worcester Regional Chamber of Commerce-Board Member


  • Providence College

Our Team

Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personal experience.

Note: These team members are a shared resource, involved in your wealth management plan as appropriate and are subject to change

Andrea L Carlin

Private Client Manager


Ashten L Petry

Portfolio Manager


Richard C Pszenny

Portfolio Manager


Steven P Rossillo

Portfolio Manager


Kenneth A Herschfield

Portfolio Manager


Kenneth R. Snell

Portfolio Manager


Frances Barrett

Market Trust Executive


Daniel Beauchemin

Senior Trust Officer


Carrie R. Seligman

Wealth Strategies Advisor


Robert Rene Drouin

Wealth Strategies Advisor


Thomas (Ted) Broderick

Private Client Advisor


Michael C Innocenti

Portfolio Manager


Kaitlyn M Barba

Private Client Manager


Let's Have A Conversation

We take the time to listen and learn about you and your family before creating strategies that aim to meet your needs, goals and best interests now and in the future


For more than 200 years, Bank of America Private Bank has helped clients navigate the complex challenges of managing significant wealth. We draw on the Private Bank’s personalized approach, as well as the resources of Bank of America, to help individuals and families, businesses, and institutions achieve their financial objectives. Whether you’re looking to preserve and share wealth, build philanthropic legacies or plan for future growth, our commitment is to make your goals our priority.

At Bank of America Private Bank, we take pride in our history and in serving our clients’ best interests. We also value the continual pursuit of innovation in a constantly transforming world. We apply this perspective to help our clients anticipate and respond to evolving markets, changing environments and the growing complexities of the financial landscape. Mindful of the past, our focus is on providing today’s clients with disciplined financial strategies and a bridge across generations.