Lijun He (Pronounced: Lee-June)

Philosophy

I partner with professionals, entrepreneurs, and multi\-generational families facing complex financial decisions. I feel that clients value my grounded perspective, cultural fluency, and ability to integrate analytical rigor with thoughtful listening. I understand both what it takes to build wealth and what wealth makes possible — security, choice, and generational impact.

Approach

Helping you pursue your goals starts with getting to know you and your family. We will work together to create a financial strategy that reflects your investment style and is built around your life plan. My planning process can help you identify and prioritize your personal and professional financial goals, including education funding and retirement lifestyle. Potential strategies are offered to provide the "fit" that may best serve your objectives, risk tolerance, time horizon and liquidity needs. I help you understand fees and expenses associated with your accounts.**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.A core focus of my advisory practice is tax‑efficient wealth planning. I integrate investment strategy, asset location, income timing, and generational transfer considerations to help reduce tax drag and strengthen long‑term outcomes. My approach is grounded in clarity, thoughtful structure, and disciplined execution, helping to ensure every recommendation aligns with each client's goals and values.A core focus of my advisory practice is tax‑efficient wealth planning. I integrate investment strategy, asset location, income timing, and generational transfer considerations to help reduce tax drag and strengthen long‑term outcomes. As a committed lifelong learner, I remain closely informed on capital markets and regularly evaluate emerging planning strategies and appropriate wealth solutions. This intellectual engagement allows me to bring current insight and thoughtful innovation to the long‑term plans I build with clients. Having personally witnessed how financial stability can shape opportunity and transform life trajectory, I approach my work with humility, responsibility, and optimism. I believe that deliberate, well‑structured planning can empower families across generations—and it is a privilege to guide clients through that journey.A core focus of my advisory practice is tax‑efficient wealth planning. I integrate investment strategy, asset location, income timing, and generational transfer considerations to help reduce tax drag and strengthen long‑term outcomes. My approach is grounded in clarity, thoughtful structure, and disciplined execution, helping to ensure every recommendation aligns with each client's goals and values.

Capabilities

Merrill's process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one\-on\-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On

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. 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 goalsSuccess 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.*

Personalized planning

**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.

Team and resources

**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](https://www.ml.com/solutions/all.html) 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](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition