Gregory Katulka

Philosophy

Communication is instrumental to managing life's challenges. That's why I work to engage you and your family in the financial decision\-making process. Communicating openly with family members on the sometimes\-difficult subject of wealth can be a challenge. I can help facilitate these discussions and offer personalized financial strategies designed to educate the younger generation about how assets may be invested.

Approach

I provide a comprehensive approach to wealth management. If we develop a successful working relationship, I can help you to achieve your goals. **Keys to a Successful Relationship: What You Can Expect** You can trust that I will consistently and responsibly perform all requested services and that I will be available when you need me. I will: * Treat you with respect, honesty and dignity. * Act as your advisor, putting your interests first. * Strive to acquire a complete and accurate understanding of your goals, your tolerance for investment risk and your time frame. * Explain the implications of the strategies I propose. * Update you by email, mail and phone. * Meet with you regularly to review your *Personal Wealth Analysis.* **Keys to a Successful Relationship: What I can Expect** Effective communication and mutual respect are essential to a successful collaboration, so I expect: * Trust * Respect * Honesty * Complete disclosure * Sincerity * Commitment I expect you to understand that my recommendations are always based on your best interest. As my client, you need to know that all investment, tax, estate and insurance advice will be based on the information you provide to me. I expect you to participate enthusiastically in the financial planning process. **Keys to a Successful Relationship: Mutual Responsibilities** Working together is essential to effective financial planning. To this end, we both need to make your financial strategies a priority. We will agree to keep each other informed of any new developments that might affect these strategies. And we will agree to take the time to regularly review your *Personal Financial Policy Statement*. We will both be honest and forthcoming about your financial situation. We will work to develop mutual trust, respect, and understanding.

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.

Focus On

I offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances. No matter what your goals may be, the process begins by defining and prioritizing your financial goals based on 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 and giving to charities * Work: Working in retirement, selling or starting a business * Finance: Bringing it all together; defining your financial goals The team's industry knowledge and experience helps them provide you with: * Potential risk management strategies * Trust and estate planning services * Tax\-minimization strategies * Access to Bank of America for your credit and banking needs *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.*

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