Sales, Krochmal & Associates

Approach

Every relationship begins 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, we start by listening to learn more about you and your family.

Strengths

* **Goals\-based wealth management** designed to help you align your financial decisions with what matters most in your life. * **Holistic approach to wealth management** helps you evaluate your full financial picture, including retirement, education funding, liquidity needs, legacy planning, and long\-term lifestyle goals. Through personalized wealth analysis and Monte Carlo\-based scenario planning, we help you better understand potential outcomes and make informed decisions for the future. * **Disciplined investment management** designed to align portfolios with your goals, risk tolerance, time horizon, and tax situation. Where appropriate, we incorporate tax\-efficient strategies such as tax\-exempt municipal securities, direct indexing, quarterly loss harvesting, and tax\-efficient rebalancing. * **Alternative investments** that complement traditional equity and fixed income investments by providing access to strategies with different return drivers and risk characteristics. When used appropriately, alternatives may help preserve capital, enhance risk\-adjusted returns, and potentially hedge against inflation. *Alternative strategies may include hedge strategies, private equity, private credit, private real estate, and infrastructure.* * **Securities\-based lending solutions** which can provide flexible access to liquidity while helping keep your long\-term strategy intact. A Loan Management Account® (LMA® account) is a flexible line of credit, offered through Bank of America, N.A., that uses your eligible securities as collateral and can be used for almost any personal or business financing needs. * **Charitable giving strategies** that align with your personal values, family priorities, and overall wealth plan. This may include donor\-advised funds, charitable remainder trusts, qualified charitable distributions, and other strategies designed to support philanthropic goals. * **Multigenerational planning** to help you support your family today and build a strong foundation for the future. We help families think beyond one generation by coordinating strategies for education funding, wealth transfer, charitable giving, estate planning, and family financial organization. * **Concierge\-level service** that includes proactive outreach, regular check\-ins, and seamless coordination with your personal tax and legal professionals. * **Annual reviews** to revisit your progress, refine strategies, and help ensure your plan continues to reflect your goals. * **Proactive communication** helps ensure you feel informed, supported, and connected to your financial life. * **Access to banking solutions** through Bank of America. This includes cash management, lending, mortgage solutions, and unique credit card offerings that can complement day\-to\-day financial needs, travel, lifestyle preferences, and broader wealth management goals.

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