Our mission is to understand your priorities and to help you fulfill your life's most important goals. Our relationship begins with a discussion about what you want to achieve, and how we can help you. It is a privilege when we are given the opportunity to work with families towards reaching those goals. We invite you to call us.

Wealth creates complexity, which is best addressed by having a plan. A wealth management plan is your roadmap. It helps you manage your life wisely so that you can pursue your goals and dreams. It can help ensure that you make well thought out decisions – decisions that will affect you and your family through generations.

We develop an understanding of your life, align your financial strategy with your goals, and work with you to help you pursue what's most important to you. This disciplined process is where effective wealth management starts.

The values we share as a team are closely aligned with those of the clients we serve. We build relationships based on trust and mutual respect. On this foundation we help you navigate your financial life.

We look to help preserve the wealth you have created by constructing a customized wealth management plan, and to help you faithfully execute and update the plan throughout your lifetime.

Our focus on planning allows us to add value in three primary ways: Wealth Management, access to Portfolio Construction Services, and Advice and Guidance.

FIRST WE WORK TO PRESERVE YOUR WEALTH - our team is distinguished by integrated Wealth Management, which puts us in collaboration with clients as we work with them to understand their investment goals. Our years of experience working through the complexities of a family's financial life is a cornerstone of our advocacy for you.

THEN WE WORK TO GROW YOUR WEALTH – Access to Portfolio Construction Services that focus on what we can control – costs, diversification, manager selection, and tax minimization strategies, in collaboration with your tax professionals. Our disciplined, time tested investment process supports those objectives.

AND WE'RE ALWAYS THERE FOR GUIDANCE WHEN YOU NEED IT MOST - We believe the biggest influence on lifetime investment outcomes is investor behavior – making the best choices possible. We will help you make these decisions, especially when it is most difficult and most important. Your success is our purpose.

INTEGRITY - Every client relationship is guided by the highest ethical standards and complete confidentiality. Our team cultivates relationships based on trust and respect. In deciding the right course for clients we never subordinate honesty and candor.

EXPERIENCE - We have years of experience and can provide access to retirement income planning services, trust and estate planning services, investment management, customized financing through Bank of America, and goals-based wealth management.

PERSONAL TOUCH - With a personal touch we deliver access to the vast resources of Merrill Lynch Wealth Management along with Bank of America's banking products and services. We take the time to know each family's unique needs, and offer a customized approach to wealth management.

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.").}