Philosophy

We believe the best financial strategy is the one that helps you pursue your life goals with confidence. Our experience, as both practitioners and teammates, tells us the ambitions most people have for themselves are often limited by how secure they currently feel about their own financial condition. By working together to help improve your knowledge and experience for your financial condition, by bringing transparency to the economic costs and risks of your decisions, we believe you will benefit from the confidence of feeling informed while aligning your wealth with your priorities, and increase the probability of your intentions leading to an expected and successful outcome.

Our Approach

Finally, our goals-based wealth management approach will keep you at the center of the process. Our process encourages you to be positioned for accomplishing what’s most important to you. We will work together to produce and maintain a formal statement about your current financial condition. We then introduce an investment management strategy that is aligned with your priorities. Finally, we deliver a measured outlook that brings transparency to the costs, risks, and probabilities associated with minding your responsibilities while pursuing your ambition. By working together, our team will be uniquely positioned to recognize when your priorities have changed and help you respond most efficiently to your evolving wants and needs.

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.

Our Capabilities

We view our practice as a financial resource for helping you access the investment insights of Merrill, in addition to the banking, trust, and fiduciary services offered by Bank of America and Bank of America Private Bank. Regardless of your financial challenge, by leveraging Merrill’s deep bench of specialists and advanced digital resources, we are here to help you administer all aspects of your wealth. Using one platform, we are able to:

• Anticipate or provide our immediate attention to your most-current cash-flow requirements.
• Provide access to investment policy services, asset allocation, and wealth management strategies.
• Secure you the most-economical terms for your liquidity and long/intermediate credit needs.
• Prepare you to meet the financial challenges created by family celebrations, education, healthcare, and retirement.
• Advise you in aspects of receiving or transferring wealth from one generation to the next.

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.