Jacob Simmons

My Process

I go through a complimentary 2\-step process with clients to create their financial plan. Let me walk you through it! **Step 1** A 20\-30 minute call where we talk about your goals—this might include retiring at a certain age, buying a home, or funding your child's education. We'll also go over your financial picture, including your 401(k), investment accounts or savings accounts. Cash flow is another key part—we'll review your income, spending, and any other financial commitments. And, of course, I'll ask about your comfort with investment risk to help ensure your plan aligns with your preferences. Largely, this call is your opportunity to tell me what's most important to you, and if there are any specific areas you'd like to focus on in our planning review. **Step 2** We'll meet either in person at the Bank of America Tower at 701 Brickell Ave or virtually on Webex or Zoom. During this meeting, we'll take a deeper look at your financial plan—assessing where you stand in relation to your goals and discussing recommendations to keep you on track. We will utilize Merrill's Chief Investment Office's Capital Market Assumptions to help project your wealth. This step gives you a clear roadmap for your financial future. ~\*Note appointments can be added if needed. Appointments may run longer if financially complex.~ ~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.").~

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 goals Success 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.*

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.

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