Mike Fernandes

Who I Serve

I enjoy working with people who have built their wealth through consistent effort, discipline, and long\-term thinking. Many of my clients include: ### Individuals Preparing For Retirement People who are transitioning from building assets to using them efficiently and confidently. ### Mid\-Career Professionals Individuals seeking to align their retirement strategy, investments, benefits, and long\-term goals. ### Pension Holders Teachers, nurses, law enforcement professionals, and others who are evaluating pension elections, rollover decisions, and retirement income strategies. ### Franchise Owners \& Business Owners Entrepreneurs who want their personal financial strategy to align with the success of their business. ### Individuals Experiencing Life Transitions Those navigating retirement, career changes, divorce, liquidity events, or consolidating multiple financial relationships into a cohesive plan.

My Approach

Every client relationship begins with a conversation. Before discussing investments, I want to understand: * What does financial success look like to you? * What are you trying to accomplish? * What concerns keep you up at night? * What opportunities are most important to pursue? From there, we work together to develop a strategy designed around your goals, priorities, and circumstances. I believe clients should feel informed and empowered throughout the planning process. That's why I emphasize education, communication, and transparency at every step. My service model includes: * Ongoing communication throughout the year * Quarterly progress reviews * Comprehensive annual planning discussions * Coordination with other professionals when appropriate * Regular evaluation as goals and circumstances evolve

Why Clients Work With Me

Clients often tell me they appreciate: ### A Calm Perspective Markets change. Life changes. I help clients stay focused on what matters most. ### Clear Communication Complex topics should be understandable. I strive to explain concepts in plain language. ### Thoughtful Planning Recommendations should fit the individual, not the other way around. ### Genuine Care I take time to understand each client's goals, concerns, and motivations so that recommendations are grounded in what matters most to them.

Beyond The Office

Outside of work, I enjoy spending time with my wife Jenny and our dog Willow, long distance running, reading, and working toward a long\-term goal of writing a book. I am passionate about helping people create opportunities for themselves and their families through thoughtful planning and informed decision\-making. I believe some of life's most important conversations center around purpose, goals, and how we use the resources available to us to create meaningful lives.

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