Romanchuk & Associates

Our Planning Philosophy

**We believe the best financial strategy is one built around your goals.** From the start, we focus on what matters most—your aspirations, priorities, and important life decisions. Whether planning for healthcare, education, a business transition, a home purchase, or wealth transfer, it all begins with a thoughtful plan. We work with you to manage, grow, and preserve your wealth today—while positioning it to support your future and your legacy. With access to Merrill's investment insights and Bank of America's banking solutions, we develop a tailored approach designed to address your evolving financial needs. ~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, [Member SIPC](http://www.sipc.org) and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Your Life. Your Goals.

**Financial success starts with aligning decisions to what matters most to you.** We begin by getting to know your priorities and how you view key areas of your life: **Health:** Managing healthcare needs today and in the future **Home:** Buying, selling, or enhancing your living environment **Family:** Supporting the people and relationships that matter most **Leisure:** Spending your time in meaningful ways **Giving:** Philanthropy, mentoring, and community impact **Work:** Career transitions, business ownership, or retirement **Finance:** Bringing it all together into a cohesive strategy From there, we help you make thoughtful decisions and trade\-offs that support your goals. **Success is measured by the progress you make—adjusting along the way as your life and priorities evolve.**

How We Work Together

**Every relationship begins with a conversation centered on what matters most to you.** We start by listening—to understand your goals, your family, and your priorities. Whether you are planning to transfer wealth, align your financial approach with your passions, or simply stay informed with thoughtful guidance, our process is built around you. **Understanding Your Goals** Your life evolves—and your financial approach should evolve with it. We use tools and ongoing dialogue to help ensure your goals remain clearly defined and reflected in your strategy. **Your Approach to Investing** We believe your investment strategy should reflect how you think and feel about risk, opportunity, and decision\-making. Using Merrill's Investment Personality Assessment, grounded in behavioral finance, we gain deeper insight into your preferences as an investor. This allows us to tailor a financial approach that aligns with your mindset and supports what matters most to you. **Bringing It Together** These insights help us build a more personalized, thoughtful strategy—one that evolves with you and provides the clarity, structure, and confidence needed to pursue your goals.

The Power of Merrill

**Merrill's process is designed to deliver a comprehensive, personalized experience centered on your full financial life.** We go beyond investment management to support wealth accumulation, preservation, and the complexities that come with it. Through our platform, you benefit from: Merrill's investment insights Trust and fiduciary services from Bank of America Private Bank Banking and lending solutions from Bank of America **This integrated approach helps bring all aspects of your financial life together in one place.** Working one\-on\-one with a Merrill advisor also provides you with a single point of contact—offering guidance on key decisions, including strategies for transferring wealth to future generations. ~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, [Member SIPC](http://www.sipc.org) and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~ ~Trust, fiduciary, and investment management services are provided by Bank of America, N.A., Member FDIC, and wholly owned subsidiary of Bank of America Corporation ("BofA Corp."), and its agents. Bank of America Private Bank is a division of Bank of America, N.A.~

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