Eckart Wealth Management Group

Goals change, family situations evolve or new commitments arise. We believe client relationships are about teamwork—we and Merrill Lynch Wealth Management's highly regarded resources work together to help you pursue your goals.

Every client is different. Some have a clear financial strategy and we will help them implement it. Sometimes our process requires looking far enough forward so that clients can plan for future generations. Or it could mean taking into account extraordinary income needed to pursue a passion or hobby in retirement. Our goal is to clearly understand your many financial needs. It's not just about money. It's about plans, hopes, dreams and goals.

The Eckart Wealth Management Group's philosophy is built on three basic tenets: Experience. In-depth strategies. Manage for risk. Our objective is to be a highly responsive source of financial guidance. In-depth conversations and an extensive, early review of individual financial circumstances yield a strong understanding of your needs, both financial and personal. We use this knowledge to help you preserve your wealth, offering you individualized strategies drawn from our carefully focused skills and wealth management process.

We believe in the team approach, for everyone who works with you. With your permission, we will work collaboratively with other professionals who are involved in your financial matters, such as accountants and estate attorneys, so that their work and ours may be effectively integrated. Our goal is for the many parts of a client's financial life to be working well together, helping to implement a seamless, flexible financial strategy.

At Eckart Wealth Management Group, we favor disciplined, diversified and well thought-out financial strategies rather than following trends that go in and out of favor. We believe this allows clients to spend more time enjoying their wealth and less time worrying about short-term market conditions.

We apply our thoughtful approach to the strategies we create with you, striving for your optimal portfolio that blends growth and value, as well as global diversification. Working with Merrill Lynch Wealth Management's broad, deep platform, we can offer you a myriad of investment products and services designed to address your financial needs in accordance with your investment objectives, short- and long-term goals, risk tolerance, liquidity needs and time horizon.

Our connection with you is why we work so diligently to be responsive and insightful. We want the clients we work with to value the effort and diligence we demonstrate at each crucial point in the process—from understanding your financial needs, to portfolio construction, to helping create income in retirement.

Our commitment to clients:
Identify your needs through discovery and interviews
Develop appropriate wealth management strategies
Maintain regular contact
Provide insight and support in the many areas of your financial life
Maintain confidentiality of your personal information
Utilize the intellectual capital and resources of Merrill Lynch Wealth Management effectively
Devote time and diligence to developing and maintaining an effective financial strategy

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.").}