The Harnett Group

Transparency

Our team is a **fee\-based financial advisory group**. Our goal is to provide white\-glove service to all of our clients and to be the go\-to professionals for their financial needs. We believe that paying for advice should be closely aligned with the goals you are trying to achieve. Our team makes every effort to communicate our fee structures upfront so clients can make informed decisions. We offer two fee structures: ### Investment Advisory Platform (IAP) Clients pay a percentage of assets under management (AUM) for services and receive access to advisory services, research, and unlimited trading. ### Traditional Brokerage Clients pay per transaction. This option is best suited for clients who are not active traders or who maintain primarily cash positions.

Investment Approach

Our team works one\-on\-one with clients across the investment spectrum to create a personalized approach that reflects each person's goals, risk tolerance, risk capacity, and time horizon. We leverage the powerful research tools available at Merrill, along with investment vehicles, to help our clients achieve their financial objectives. We offer potential solutions for both active and passive investors. ~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](http://www.sipc.org), 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.~

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