Its all about balancing the extremes I'm large and loud, but very mindful. When its time to take risks, and decisions are made, there is no looking back, but if a risk can be avoided, I'll go out of my way to be as safe as possible. Classical music and rock are in my same playlists.
I'm a Nevada boy, by upbringing but a Oregonian by choice. Living in the Pearl District with my partner Zotti and our 2 dogs. We are deeply passionate and connected to the local art, food and music scene. A good dish/restaurant recommendation, is a quick way to get on my good side. I have the usual list of PNW hobbies, both rural and urban.

Our goal is to maximize risk-adjusted returns, while staying true to the individual portfolio objectives. We strive to generate consistent returns with lower volatility than the commensurate benchmarks.

Our primary focus is to generate performance through stock selection. We achieve this by leveraging BofA Global Research's Risk framework and its robust global research team. Generally our approach is to avoid sizeable variations in sector weightings from the benchmark. However, at times, we may deviate from benchmark weights to reflect our broader market views or to better position a portfolio to meet its objective.

We marry fundamental analysis with a valuation framework, all while considering both absolute and relative metrics. This framework, along with our conviction in a fundamental thesis, help to create a consistent buy and sell discipline that also assists in position sizing. This also may allow us to capitalize on market dislocations.

We manage our portfolios with fewer stocks than the relevant benchmarks, but remain keenly aware of the importance of diversification, which we achieve by owning stocks across many sectors, subsectors and geographical locations. Holding fewer stocks allows us to gain a deeper understating of a company's fundamentals and in turn, greater conviction in an investment idea. Generating performance is only one part of portfolio management, in our view.

Risk management is of equal importance in an attempt to minimize losses and provide the best investor experience. We think the ability to manage risk during different market conditions is a better indicator of a successful portfolio manager, rather than taking unnecessary risks to drive performance. We view risk management as an integral component of the team's investment process and use a defined framework to provide guardrails for the portfolio.

We view risk in four primary categories; Absolute, Relative, Forward-Looking and Backward-Looking. The team employs a number of tools to help mitigate known and unknown risk, including trade simulation, portfolio optimization and stress testing.

*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.

I offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances. No matter what your goals may be, the process begins by defining and prioritizing your financial goals based on 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 and giving to charities
• Work: Working in retirement, selling or starting a business
• Finance: Bringing it all together; defining your financial goals

The team's industry knowledge and experience helps them provide you with:

• Potential risk management strategies
• Trust and estate planning services
• Tax-minimization strategies
• Access to Bank of America for your credit and banking needs

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.

Bringing fresh perspectives to your financial life

The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.

Helping you create a personalized plan

At Merrill, we go beyond the traditional role of an advisor.

• Your goals, concerns and attitude about investing are the foundation of your plan.
• We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family.
• We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Giving you access to our teams and solutions

Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with:

• Bank of America specialists, such as mortgage or trust professionals
• Timely insights from BofA Global Research1 to help you stay informed and navigate ever-changing markets
• A full suite of Merrill investing and Bank of America banking solutions

¹_{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 Corp.").}