We help you with the big picture

We're a diverse team of collectively disciplined professionals, each with different backgrounds. We offer clients a well-rounded perspective on many key decisions that accompany the responsibilities of wealth.

We believe our disciplined wealth management process comes close to gauging an individual's true attitude toward risk. Helping you pursue what's important to you, as well as helping you with more common financial issues—such as how to fund a child's education or your own retirement—is what we are passionate about.

We share an intergenerational view with clients who want to see their wealth last beyond their lifetime

We follow a three-pronged approach designed to preserve your wealth.

1. Asset Allocation, Including Rebalancing—We believe that asset allocation strategy is the first line of defense. This can be enhanced with regular rebalancing and adjusting for performance, as necessary.
2. Discipline—In addition to our own performance reviews, we utilize the research and oversight capabilities of Merrill's professional due diligence group. By reviewing the strategy and approach of a prescreened universe of managers with you, we can help you make informed decisions.
3. Expansive Investment Platform—Leveraging the intelligence provided by BofA Global Research, we can identify and screen many types of products and strategies from hundreds of available institutional and professional options.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Managing your portfolio with the Merrill Investment Advisory Program

You can delegate to us investment management responsibilities for your portfolios, meaning that Paul Pepperman and Chip Humphries have discretion over certain investment decisions surrounding your investment strategy. Once we have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, we will recommend targeted asset allocations for your portfolios to help meet your specific investment objectives. Granting us authority allows our team to respond to market changes, price volatility and global events with the ability to make adjustments, if needed, to help your portfolio stay on track to meet your goals.

In addition, Bank of America specialists are available to work with your other trusted advisors to provide estate planning services and help address philanthropic issues.

Some of the services we offer access to include:

• Business recommendations¹
• Retirement strategies, including defined benefit plans and rollovers¹
• Concentrated stock strategies¹

• Cash management²
• Home financing, credit and other lending opportunities²

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
*You have choices about what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs, and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investments and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information, please contact your Merrill Financial Advisor.