Leonel Vivas

Approach

Every successful relationship starts with a conversation. I take the time to understand where you are today, what you hope to accomplish, and the challenges and opportunities that may lie ahead. By learning more about you, your family, and your financial priorities, we can develop an approach designed around your specific goals and circumstances. Whether your focus is preparing for retirement, building wealth, creating educational opportunities for future generations, or navigating important life transitions, my role is to provide guidance, perspective, and ongoing support throughout the process. ### **Understanding Your Investment Personality** Each person approaches investing differently. Merrill's Investment Personality Assessment helps us gain a deeper understanding of how you think about investing, risk, and financial decision\-making. This insight allows us to build a more personalized financial approach that reflects not only your goals, but also your individual preferences and comfort level. The better I understand what matters to you as an investor, the better I can help create a strategy designed around your unique needs. ### **Keeping Your Plan Aligned With Your Goals** Life doesn't stand still, and neither should your financial strategy. As your circumstances, priorities, and objectives change over time, we can regularly review your progress and adjust your financial approach to help keep it aligned with what matters most to you.

Capabilities

My role is to help simplify financial complexity by bringing together the resources, solutions, and specialists available through Merrill and Bank of America. In addition to investment guidance, clients may benefit from access to banking solutions, lending capabilities, trust and estate planning resources, and specialized wealth management services that can help address a broad range of financial needs. By serving as a central point of contact, I can help coordinate these resources and provide a more connected financial experience designed around your goals.

Focus On

I believe financial success is personal. It looks different for every individual and family. That's why our relationship begins with understanding what is most important to you and identifying the priorities that help define your financial goals. Areas we may discuss include: ### **Health** Planning for current and future healthcare expenses and protecting your financial well\-being. ### **Home** Purchasing a first home, financing a new property, downsizing, renovating, or planning for future housing goals. ### **Family** Providing for loved ones, protecting those who depend on you, and preparing future generations for success. ### **Leisure** Supporting the activities, experiences, and passions that bring meaning and fulfillment to your life. ### **Giving** Exploring charitable goals, philanthropy, and opportunities to create a lasting impact in your community. ### **Work** Managing career transitions, business ownership opportunities, retirement planning, and future financial independence. ### **Finance** Bringing all aspects of your financial life together into a coordinated strategy designed to support your long\-term objectives. I believe meaningful progress comes from making informed decisions, staying focused on your priorities, and adapting thoughtfully as life evolves. ~Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.~

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