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Wealth Management Strategies Designed to Help You Move Forward We are avid listeners—and take the time to really understand your current needs, concerns about managing your wealth and ideas for the future. To help you hone your vision, we use the Merrill Lynch Wealth Management Process, a disciplined, four-step method of gathering information, organizing a targeted strategy and, ultimately, helping to suggest an investment portfolio that meets your needs. The process is essential to helping you identify goals and craft strategies you can use to pursue them. It includes an ongoing progress review that helps keep your portfolio aligned with your goals and risk tolerance following shifts in the markets and your life. Merrill Lynch Personal Investment Advisory is a registered trademark of Bank of America Corporation. CERTIFIED FINANCIAL PLANNER and CFP are certification marks owned by the Certified Planner Board of Standards, Inc., and are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements. Certified Investment Management Analyst® and CIMA® are registered certification marks of Investment Management Consultants Association, Inc. Chartered Financial Analyst and CFA are registered trademarks of the CFA Institute. Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Using Research to Identify and Evaluate Potential Investments When seeking potential investment solutions that align with your wealth management strategy, we search both within and beyond the bounds of Merrill Lynch. · BofA Merrill Lynch Global Research—provides us with in-depth information on stocks, bonds, global economics and investment strategy. · Investment Management and Guidance Group—analysts who perform rigorous due diligence on third-party products, services and asset managers. · Personally interview the portfolio managers under consideration, whenever possible, before adding them to our investment roster. · The RIC Report—a monthly digest published by the Merrill Lynch Research Investment Committee that highlights significant strategic and tactical investment themes and provides asset allocation guidelines.

Often, a certain degree of emotion—both positive and negative—accompanies the acquisition and management of significant wealth. It brings a set of complex challenges. We help you confront and understand these challenges by establishing a clear, goal-based wealth management strategy designedto help you determine—and then pursue—your financial objectives. Although we view ourselves, first and foremost, as problem-solvers, there is far more to wealth management than that. We are committed to helping you invest and strategize the way institutions do: with a focus on economics, in order to help you make rational decisions about managing your wealth. Your goals may include purchasing a retirement home, caring for an elderly parent or funding your grandchildren’s education. Or maybe you want to support a worthy cause or wish to leave a legacy for your children. Whatever your goals may be, we can help you determine strategies designed to help you move from Point A to Point B on the road to pursuing them. Read more