We live in a world that's constantly changing.Markets fluctuate moment to moment. New investment opportunities arise daily. Regulations are amended often.That's why we believe that you and your situation are the best starting points from which to plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. Because only by understanding you and your priorities, can we effectively offer our experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

Your Financial Approach
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
Taking care of your family and other people in your life* Trust & Estate Services⁴* Education Funding¹* Insurance³

HEALTH
Planning for healthcare expenses now and in the future* Long-term Care Insurance³* Health Savings Account²* Disability Insurance³

HOME
Upsizing, downsizing, remodeling or buying a vacation home* Home Loans²* Home Equity Lines of Credit²* Securities-Based Lending²* Credit Cards²

WORK
Working in retirement, selling or starting a business* Bank of America Business Banking²* Exchange Funds¹* Concentrated Stock Management¹* Succession Planning¹

LEISURE
Spending your free time in meaningful ways* Credit Cards²* Securities-Based Lending²* Structured Lending²

GIVING
Volunteering, mentoring others and giving to charities* Donor-Advised Funds⁴* Private Foundations⁴* Charitable Trusts⁴

FINANCE
Using your finances to bring it all together* Merrill Investment Accounts¹* Investment Advisory Accounts¹* Alternative Investments¹* Exchange-Traded Funds¹* Mutual Funds¹* Closed-end Funds¹* Fixed Income Products¹* Options¹* Annuities³* Impact Portfolios¹* Market-Linked Investments¹* Securities-Based Lending²* Margin¹* Home Loans²* Bank of America Checking and Savings Accounts²* Credit Cards²* Online Account Access^1,2

_{*Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.}

_{*Trust, fiduciary, and investment management service 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.}

_{*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.}

_{*Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.}

_{* Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Merrill Financial Advisor.}