Dedicated in Pursuit of Client Goals

Financial advisors sometimes underscore their years of service. We’re all for experience; we have decades ourselves. But we believe in something more: wisdom. Experience means we lived through it. Wisdom means we learned from it. We believe in applying the collective wisdom of our team to help clients discern, understand and address the financial issues that impact their lives.

We are keenly attuned to helping clients avoid pitfalls. Clients look to us for timely information on changing economic environments, investment opportunities, legal and policy updates, and tax implications. We relish our roles as guides, mentors and sounding boards. We believe that a lack of communication sabotages relationships. Sometimes our role is simply to ask the right questions. This we believe leads to better outcomes. Throughout our relationships, we treat our client family with the respect and courtesy they deserve, speaking to them—not down to them.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

• Health: Managing healthcare expenses, now and in the future
• Home: Upsizing, downsizing, remodeling or buying a vacation home
• Family: Taking care of your family and other people in your life
• Leisure: Spending your free time in meaningful ways
• Giving: Volunteering, mentoring others and giving to charities
• Work: Working in retirement, selling or starting a business
• Finance: Bringing it all together and defining your financial goals

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Investments

We believe that your investments should be a reflection of you — your life, your priorities, your goals. As your dedicated advisor we will get to know what matters most to you and help you define your goals. We use this understanding to help you build a customized financial strategy and offer consistent, personalized advice. Combined with professional management, you can stay on the right path towards pursuing your long-term objectives.

Philosophy

We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

In-Depth Relationships Focused on Client Needs

We are fortunate to work with an accomplished clientele. Many are senior executives, current or retired business owners, or their family members. Within those relatively broad categories, each client's investor DNA is different. We are ever mindful of those differences: the issues that concern clients; the aspirations that inspire them. Communication is the core of our connection; we welcome the opportunity to speak and meet with clients as often as possible, both formally and informally.

Wealth management is more than good relationships. We are committed to creating value for clients – tackling difficult questions, unwinding complex circumstances, anticipating issues and avoiding potential inefficiencies. They look to us to help them make the best decisions they can, using analysis and tools to capitalize on a wide range opportunities. Our service model unifies the results, helping clients stay up-to-date with our course of action.