Capabilities

Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investments. Our ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with potential solutions for transferring wealth to the younger generation.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

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. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, We start by getting to know you and how you feel about the following seven life priorities.

• 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

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.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

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. Worried about managing 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? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop an approach designed to help address your financial needs.

Welcome

Ammerman and Associates understands the complexities of managing wealth for successful individuals and families. Drawing upon the individual strengths and 50+ years of combined financial services experience, you and your family will benefit from the knowledge and insight of our entire group.

Our Goals-Based Wealth Management process is predicated upon having a deep understanding of your life, including your priorities, investment personality, and potential concerns. We work closely with you, helping to define the purpose of your wealth, identify your investor profile, and articulate your goals. With this information as the foundation, we then develop and implement personalized financial strategies that reflect your goals and meet your objectives. Lastly, we follow up with discussions covering a broad range of opportunities, including tax minimization strategies, estate planning services, philanthropy, and access to banking and lending services through Bank of America.

Ammerman and Associates’ philosophy is built upon prudent wealth management principles, disciplined investment direction, and exceptional client service. We believe trust and transparency are paramount in our relationship with you, and we are committed to setting clearly-defined, realistic expectations for the risk and potential reward of each recommendation we make. By reviewing our progress towards your goals, we are able to regularly evaluate the efficiency of your portfolio and help ensure your strategy remains aligned with your risk profile. We also offer to coordinate meetings with your CPA and attorney so that all of your advisors can work together proactively. We believe that “success” has many definitions, and we are committed to serving as a trusted resource in the pursuit of your success.