Patrick McNicholas

My Philosophy

**I believe financial success comes from making informed decisions and trade\-offs that align with your goals. Here's how the process works:** * **Start with your goals** – Whether you're planning for retirement, saving for a home, or funding a child's education, it begins by getting to know you. * **Understand what matters most** – We'll explore how you feel about key areas of life: **Health:** Managing healthcare expenses now and in the future **Home:** Upsizing, downsizing, remodeling, or buying a vacation home **Family:** Caring for loved ones and others in your life **Leisure:** Spending your free time in meaningful ways **Giving:** Volunteering, mentoring, and charitable contributions **Work:** Working in retirement, selling or starting a business **Finance:** Bringing it all together and defining your financial goals * **Measure success thoughtfully** – Progress is tracked by how well you're moving toward your goals, making adjustments as life and markets change.

Why Merrill

**Merrill's process is designed to provide a customized, comprehensive experience that goes beyond investments. Here's what that means for you:** * **Comprehensive wealth management approach** – Support for both wealth accumulation and preservation, plus strategies that extend beyond traditional investing. * **Access to powerful resources** –Merrill's investment insights Trust and fiduciary services from Bank of America Private Bank Banking and lending solutions from Bank of America * **Manage all the pieces of your financial life** – A holistic approach to help simplify and organize your wealth. * **One\-on\-one guidance** – Work with a dedicated Merrill advisor as your single point of contact for strategies like transferring wealth to future generations. *Trust, fiduciary, and investment management services, including assets managed by the Specialty Asset Management Team,\] 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