Welcome



The relationship we strive to build with you is defined by your needs and goals, not by what we have to offer. A wealth planning approach provides the framework to work together on an intricately designed financial strategy to help connect your priorities and your wealth. To help you set your strategy in motion we offer core investment services, estate planning services and implementation strategies and access to traditional banking and lending services through Bank of America.



We work with successful individuals, business owners and their families who recognize the value of seeking help in areas outside their expertise. Our focus is on helping you organize and structure a financial approach to help pursue multiple goals simultaneously and may include:



- A disciplined approach designed to anticipate and help address nearly any life-time financial need.

- A highly-experienced, multi-generational team, positioned for your longevity. We are committed to being your financial advisor for years to come.

- Emotional support and thoughtful, transparent communications to help work through challenging circumstances and family milestones.

For businesses owners, corporate executives and retirement plan fiduciaries, we can offer:

- Access to design and support services for 401(k) plans through Fiduciary Advisory Services at Bank of America.

- Assistance to help plan fiduciaries meet their plan goals and participant needs.

- Guidance for diversification strategies* for concentrated stock positions and



- Access to a broad range of cash flow and lending solutions from Bank of America.



DIVERSIFICATION DISCLOSURE:

*Diversification does not ensure a profit or protect against loss in declining markets.



Our Philosophy



Our priority is to help make wealth management an orderly, consistent experience for you. We are committed to an unwavering culture of service which drives our interactions with you and your family members. Whether we are discussing your plans for retirement, the monetization of a business or the transfer of your wealth, we strive to take the extra step to offer you a choice of strategies and options to help you pursue what’s important in your life and to the people you care about most.



Our advice is ongoing and it is our hope that you grow accustom to how much we care about you and your family. We strive to be open-minded and when a financial concern or opportunity arises, we want to be your first call. It is our belief that strong relationships can help clients follow their financial strategies by avoiding emotional decision-making during times of market volatility or when experiencing a significant family, business or liquidity event.





Four Tier Guidance



We follow a systematic approach focused on helping you make a difference in your financial life.





Oversight Advice

We strive to help you organize, prepare and keep key financial documents, such as estate plans, health proxies, insurance protections and partnership agreements, up-to-date. Our skilled and attentive team is dedicated to doing the little things today that can help save you valuable time and avoid potential exposures in the future.



Our oversight extends to helping you pursue your most important goals, such as maintaining your lifestyle in retirement or helping with the financial needs of your children and grandchildren. For business owners we can examine and offer guidance for succession planning and liquidity events.



Accumulation Advice

Concerned about preserving what you’ve accumulated? Your financial strategy can be designed to take on what we believe to be the least amount of risk that is consistent with your goals. Investment portfolios can be designed to be protective and defensive, helping you follow your strategy even when the investment climate may make it difficult to do so.



We focus on third-party managers and can draw on the best thinking of Merrill and the investment insights from the Chief Investment Office of Bank of America for manager selection and ongoing investment due diligence.



Distribution Advice

While the financial markets can be unpredictable, we strive to do nearly everything we can to help you create a sustainable retirement withdrawal plan. We follow an approach based on endowment spending models to help replicate a paycheck and take into account how you live your life and the legacy you may wish to leave. Our process is also proactive. By tracking and reviewing your spending and asset performance, we can help you make any adjustments along the way to help you pursue the lifestyle you envisioned.



Client Experience

Through communications that strive to be clear and transparent, you can have a simple review regimen to help you follow your financial approach. During times of family need or celebration, our caring and supportive team makes it a point to be available to assist you in any way we can. One of the most fulfilling aspects of our relationship is being able to help your children and grandchildren. We can offer them targeted assistance in areas such as establishing credit, opening retirement accounts, household budgeting and helping foster a regular investment discipline.

Our Capabilities

We follow an integrated approach to wealth management that can help you address virtually every financial challenge you face. We can assemble for you the expansive tools, technology and insights of Merrill and also offer access to the banking, credit and lending of Bank of America, to offer a range of potential solutions designed to meet the needs of business owners and executives, professionals, and families with multi-generational wealth.



We can help business owners build company benefit plans and offer access to Bank of America for help in addressing cash flow, lending and other bank-related needs. For clients nearing retirement we offer a range of capabilities, including retirement income planning and wealth transfer strategies from Merrill and access to estate planning services and philanthropic solutions through Bank of America.



We can assist non-profits, including religious organizations and foundations, with strategies to help sustain their mission. Through our partnership with the Philanthropic Solutions team at Bank of America Private Bank, we can offer access to specialized administrative services and philanthropic strategies with the potential to help streamline operations and make a lasting impact on an organization and the community it serves.



With your permission we can also work closely with your other professionals, such as attorneys, accountants and tax specialists, to help you pursue your goals.




*The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of BofA Corp. This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available.