Wealth Management

The Luppino/Eschenauer Group offers a broad spectrum of financial services and wealth management advice and guidance to a select group of clients. We work with clients in multiple areas of wealth management including: asset and liability management; diversified investments; trusts; insurance and estate planning services; and retirement income planning, among others

Combining the extensive resources and broad capabilities of a global wealth management firm with intimate personalized service, our team seeks to help clients pursue their goals through disciplined wealth management based on an in-depth understanding of their priorities and financial situations. Our goal is to simplify clients' financial lives by helping integrate the various facets of their wealth management and giving them a single point of contact for their needs, requests and questions.

We are able to bring this overall program together by:

• Leveraging the insights, efforts and broad resources from BofA Global Research and its analysts

• Customizing services, investment strategies and portfolios based on our professional perspective and a range of investment objectives and risk profiles designed for your situation

• Offering dynamic and diversified exposure to select market segments, meant to give you the opportunity to fulfill a wide spectrum of strategies

• Employing thoughtful, experience-based and tactical asset allocation that we believe will help your investments be resistant to market volatility

*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.

A broad range of capabilities

The Luppino/Eschenauer Group can help you manage and build your wealth in accordance with your plan's rules and guidelines. In addition to the personalized attention of a team experienced with this program, we offer access to Bank of America's wide range of banking products and BofA Global Research reports and market analysis, along with 24-hour online access to your accounts.

We can work with you to develop strategies to help you pursue your most important goals, whether you wish to prepare for your retirement, fund a child's education, purchase a home or build a legacy, based on our professional perspective and range of risk profiles designed for your situation.

Here are some of the many areas in which we can assist you:

• Financial analysis—We can help you with various aspects of wealth management, including investing, planning for retirement, tax-minimization strategies in conjunction with your outside tax advisors, education funding, wealth transfer, and income and asset preservation.
• Wealth preservation and transfer—To help you preserve and pass on the assets you've acquired over your lifetime, we may suggest a mix of strategies, income and credit management and estate planning services.
• Tax-minimization strategies—Working with your tax advisor and estate planning attorney, as well as Merrill Lynch Wealth Management specialists, we can develop strategies designed to help you offset large taxable gains. Additionally, we can help project your potential tax liability in retirement and use these projections to structure your portfolios more efficiently.
• Education funding—If one of your aims is to finance your children's or grandchildren's higher education, we can help you estimate the cost of college in future dollars, illustrate the potential growth of college savings plans an suggest investing strategies.

*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.

Addressing your banking needs

You'll have access to Bank of America's robust banking services, including customized pricing for principals and directors. In addition, you'll have the convenience of a single point of contact, 24-hour online account access and a single sign-on to all your online accounts, making it possible for you to oversee your entire financial picture with ease.

We provide access to Bank of America:

• To help you develop a strategy tailored to manage your liquidity needs, your debt and your savings

• For insight and information on the expansive array of cash management, credit and lending services

DWealth Mortgage Program:
We can help you pursue your homeownership goals and save with reduced pricing

As a Deloitte Partner Principal & Managing Director, you have access to special pricing on Bank of America home financing solutions that could save you thousands of dollars in interest over the lifetime of your loan

Deloitte Mortgage Discount Program

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.

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 help you refine your investing preferences. Together, we can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

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.

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.”).