The Verschuur / Iyer Group

What We Believe

At **The Verschuur/Iyer Group**, we are inspired to give clients a level of certainty (rather than fear). When a client smiles and realizes that he or she will likely have enough money to satisfy a cherished goal, we share their optimism and joy. Given the ambitious nature of clients, we focus on helping them pursue paths that may be uncommon – but ones that bring meaning to their years of hard work. We recognize that new opportunities and obstacles will invariably present themselves. That's why we speak with clients regularly, not when the calendar tells us to. We also believe: • Clients' goals act as our compass in directing the strategies we create. It's important that we help clients identify and clearly articulate what they envision (for themselves and those they love). Our effectiveness hinges, to a significant extent, on showing clients what they need to save and the risk they need to take – to put goals within reach. • In addition to taking careful measure of a client – their wealth and attitude toward wealth – we evaluate our performance, by asking ourselves questions that remind us of our commitment to clients: "Are we doing everything possible to help enhance and preserve the quality of clients' lives and lifestyles? How can we best fulfill the responsibility we believe we have to client families – and the trust they place in us?" • Clients are drawn to our ability to deliver goals\-based investing, a seasoned perspective on market behavior, and genuine care and integrity. Clients' referrals tell us they're pleased with the experience. • We manage investment risk first and growth second. As highly skilled, long\-term investors, we use the firm's research and models. We manage risk by diversifying across asset classes, rebalancing in a disciplined manner, and aiming for tax efficiencies. We also think it's critical to engage with each spouse, their growing children and their adult children. \*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, and wholly owned subsidiary of Bank of America Corporation.

Focus On

We 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.*

Philosophy

At **The Verschuur/Iyer Group**, we are inspired to give clients a level of certainty (rather than fear). When a client smiles and realizes that he or she will likely have enough money to satisfy a cherished goal, we share their optimism and joy. Given the ambitious nature of clients, we focus on helping them pursue paths that may be uncommon – but ones that bring meaning to their years of hard work. We recognize that new opportunities and obstacles will invariably present themselves. That's why we speak with clients regularly, not when the calendar tells us to. We also believe: • Clients' goals act as our compass in directing the strategies we create. It's important that we help clients identify and clearly articulate what they envision (for themselves and those they love). Our effectiveness hinges, to a significant extent, on showing clients what they need to save and the risk they need to take – to put goals within reach. • In addition to taking careful measure of a client – their wealth and attitude toward wealth – we evaluate our performance, by asking ourselves questions that remind us of our commitment to clients: "Are we doing everything possible to help enhance and preserve the quality of clients' lives and lifestyles? How can we best fulfill the responsibility we believe we have to client families – and the trust they place in us?" • Clients are drawn to our ability to deliver goals\-based investing, a seasoned perspective on market behavior, and genuine care and integrity. Clients' referrals tell us they're pleased with the experience. • We manage investment risk first and growth second. As highly skilled, long\-term investors, we use the firm's exceptional resources and models. We manage risk by diversifying across asset classes, rebalancing in a disciplined manner, and aiming for tax efficiencies. We also think it's critical to engage with each spouse, their growing children and their adult children.

Important Questions to Ask Yourself and a Potential Financial Advisor

Questions to ask yourself: * What three things do I wish I could spend more time doing now? * What are three things I would like to do for my family to help ensure their security for the future? * What three things do I want to do with my money so that I can leave a meaningful legacy or make a difference? * If there were three outcomes I would hope to achieve through my relationship with an advisor, what would they be? Questions for your advisor: * What is your approach to tax optimization within investment portfolios, especially concerning generating regular income? * Could you provide examples of how you've helped clients achieve consistant monthly income while maintaining a low\-risk profile, particulary through tax\-efficient and cost\-efficient strategies? * How do you ensure that my wealth strategy evolves with my personal and family goals over time? * How will you prepare me and my family for potential wealth impact on future generations, beyond just financial inheritance?

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