Shambo | Schwibner | Schwartz Wealth Management Group

Coordinating Your Financial Life

Many successful families work with multiple trusted professionals. Attorneys, accountants, trustees, insurance specialists, lenders and other advisors often play important roles in helping families make informed decisions. While each professional brings valuable expertise, we frequently find that no one individual is responsible for coordinating the entire picture. We often serve as the central point of contact among a client's advisory team, helping ensure that strategies remain aligned and that important decisions are considered within the context of an overall plan. By fostering communication among key advisors and helping clients evaluate decisions from multiple perspectives, we aim to simplify complexity and create greater confidence throughout the decision\-making process. Our goal is to help clients spend less time managing financial details and more time focusing on the people and priorities that matter most.

The Power of Our Resources

Our clients benefit from the personalized attention of a local team, supported by the extensive resources of Merrill, Bank of America and Bank of America Private Bank. Through these relationships, we have access to specialists and capabilities that help address many aspects of a client's financial life. These resources may include: • Wealth planning strategies • Trust and estate services • Philanthropic and charitable planning • Lending and banking solutions from Bank of America • Business transition planning • Retirement planning resources • Investment research and market insights • Family wealth transfer strategies Our team works collaboratively with these specialists when appropriate to help clients evaluate opportunities, address complex situations and navigate significant financial decisions. We believe this combination of personalized relationships and institutional strength creates a unique experience for the families we serve. ~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.~

Our Client Experience

Exceptional service is one of the defining characteristics of our practice. Over the years, we have intentionally built a team structure designed to deliver a high level of support, responsiveness and continuity for our clients. Our advisors, client associates and support professionals work together to serve each relationship. This collaborative approach allows clients to benefit from the experience and perspective of multiple team members while maintaining the personal connections that are essential to long\-term relationships. We understand that important financial decisions cannot always wait. Whether assisting with a complex planning matter or responding to a day\-to\-day service request, our team is committed to providing timely communication and proactive support. Our objective is simple: to deliver a client experience that reflects the trust families place in us.

Family Legacy and Stewardship

For many families, wealth represents more than financial assets alone. It reflects years of hard work, the values that shaped their success and the opportunities they hope to create for future generations. As a result, some of the most meaningful conversations we have with clients extend beyond investments and financial planning. They involve family, legacy, purpose and stewardship. We work with families as they consider how wealth can support future generations, charitable objectives and long\-term family goals. These discussions often include wealth transfer strategies, family communication, philanthropy and planning designed to help create clarity across generations. While every family has a unique story, our goal remains consistent: helping clients make thoughtful decisions today while preserving opportunities for tomorrow.

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