A Wide-Angle View of Your Financial Life

Our goal is to be your financial advisor for all the seasons of your financial life—whether you are still accumulating wealth, enjoying your retirement or considering how to transfer your wealth to future generations.

We believe your wealth management strategy should be powered by big-picture thinking and supported by detailed advice and guidance. That's why we start with a thorough analysis of your financial life—finding out all we can about your current circumstances, future aspirations and any particular concerns that keep you awake at night. Then we can guide you in establishing clear financial objectives and custom-design a strategy with the aim of helping you to reach those goals.

Our conversations might begin with questions like these:

• When would you like to retire and how much income do you think you will need to live comfortably in retirement?
• Do you have specific retirement goals, such as traveling or purchasing a vacation home?
• Do you want to fund a child's or grandchild's education? Leave a legacy for future generations?
• Do you have adequate insurance coverage, such as long-term care insurance for yourself and your spouse?

Balancing Risk and Reward

One of the most important tasks of a wealth management team is to help you determine the appropriate level of risk, not just for your temperament but for your investment goals at different stages of your financial life. For example, you may want to reduce the amount of risk in your portfolio after you retire. But in all likelihood, you may need to take some risk to generate income to fill the gaps between stable, fixed sources of income, such as pensions, and your spending in retirement.

We believe you should manage the risk in your portfolio by taking into account market risks and volatility as well as your personal risk tolerance, liquidity needs and time horizon. We consult a range of resources—including BofA Global Research—to be aware of current economic conditions, global market trends and projected corporate earnings.



*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.

Four Pillars of Our Investment Approach

ASSET ALLOCATION We will work with you to apportion your investments among multiple asset classes that reflect your long-term objectives, income and liquidity needs, time horizon and overall risk tolerance.

DIVERSIFICATION Portfolios that are broadly diversified across and within asset classes have the potential to mitigate volatility risk and smooth out returns over time.

RESEARCH We leverage thought leadership from BofA Global Research and the Investment Management and Guidance Group, as well as consulting outside sources to gain a broad perspective on world events and the global economy. 

INVESTMENT SELECTION For most clients, we consider a broad universe of investments that includes:

• Domestic and international stocks
• Taxable and tax-advantaged bonds of all maturities
• Cash and short-term instruments
• Mutual funds and exchange-traded funds
• Nontraditional asset classes such as commodities, currencies and alternative assets (where appropriate for certain investors)