The Wagner Sheffer Group

"Many times, what a person needs is not a brilliant mind that speaks, but a patient heart that listens." - F. Scott Fitzgerald

Our purpose is to take care of those who value their time and understand that it's about more than money, it's about life. We are passionate about helping people make wise decisions with their time and money so that they have more of both. Our process is designed to support better decisions and better outcomes. We listen to develop an understanding and appreciation for your past, your present, and your future, incorporating all that is important to you before designing a wealth management strategy. Changes in your life, goals, preferences, liquidity needs, and comfort with risk are thoroughly addressed and documented. You are kept informed of your progress through real-time access to your accounts and regularly scheduled discussions.

It's about more than your money, it's about your life. Who is listening to you?

Our process is designed to deliver a customized, comprehensive strategy to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill and the credit and lending capabilities of Bank of America offers a way for you to manage all of the pieces of your financial life. We can also help you with potential strategies for transferring wealth to the younger generation.

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. Whether you're planning your retirement, saving to buy a home or funding a child's education, the process begins by getting to know you and how you feel about 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 others and giving to charities
• Work: Working in retirement, selling or starting a business
• Finance: Bringing it all together and defining your financial goals

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

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.").}