Philosophy

I 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, I will work with you to develop an approach designed to help address your financial needs.

Approach

I 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, I 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 me get to know you better as an investor and help you refine your investing preferences. Together, I can help customize your investment approach. Using an understanding of your priorities and investment personality as a foundation, I 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.

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.

Capabilities

My 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. My 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. I view myself 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.”).

Focus On Individuals, Families and Small Businesses

I 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, I 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.

Our Online Approach

Enjoy convenient, secure account access with MyMerrill®

We’re here to help you pursue your goals — and to make your busy life a little easier. With MyMerrill, you can access your investment accounts how, when and where you want to.

MyMerrill Features includes:


· Portfolio Summary

· Holdings

· Unrealized & Realized Gain/Loss

· Research & Insights

· Activity

· Statements

· Secure Message Center

· Real–Time Quotes

· Money Transfers

· Available to Withdraw (Cash and Margin)

· Documents Vault

· Bill Pay

· Downloads

· Watchlists & Alerts

· e-Signature

· Pay Merrill and Bank of America Credit Cards

· Authorized Account Access (3rd Party)

· My Financial Picture

· MyMerrill Security Features

· Document Scanning

· MyMerrill Mobile App (available on Android, iPad and iPhone mobile devices)


​ Here are some quick videos to help you understand how it works.

· MyMerrill Overview  

· Wealth Management Your Way  

· Online Delivery and MyMerrill enrollment  

· MyMerrill Mobile App  

· Secure Message Center  

· My Financial Picture  

· MyMerrill Security Features 

· Mobile Check Deposit 

· e-Signature  

· Authorize Account Access (3rd Party)  

· Touch ID  

· Digital Capabilities 

· Banking, Borrowing and Investing  


To gain access or to learn more, please contact your financial advisor today!

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.





Client Digital Capabilities

Step-By-Step Instructions

It is important to us that our clients have step-by-step instructions in order to take full advantage of the tremendous amount of technology available to them. The various instructions listed below are designed to guide our clients in navigating our diverse online platform.

· WebEx 

· MyMerrill Enrollment 

· Online Delivery Enrollment 

· Accessing the Secure Inbox 

· Document Scanning-Text Guide 

· Document Scanning-Visual Guide 

· Mobile Check Deposit 

· Third Party Access – MyMerrill 

· Digital Signature Suite – e-Signature 

· Digital Signature Suite Mobile Easy Sign 

· Digital Signature Suite Digital Collaboration 

· My Financial Picture 

· Funds Transfer Service (FTS) 

· Linking Merrill Investment and Bank of America Banking Accounts 

· MyMerrill Enrollment – International Clients 

· Updating Personal Information - MyMerrill 

· MyMerrill Security Settings 

· MyMerrill Alert Settings