Erin Timmerding

Philosophy

I believe wealth should be a tool that supports your life—not simply a number on a statement. Every financial decision should be connected to what matters most: your family, your values, your purpose, and the legacy you hope to leave behind. That is why I begin by listening. Understanding your goals, concerns, and aspirations allows me to provide guidance that is both meaningful and personalized. My philosophy is rooted in building long\-term relationships founded on trust, transparency, and open communication. Markets will change and life circumstances will evolve, but a thoughtful plan and trusted advisor can help provide direction through both opportunities and challenges.

Approach

I combine a comprehensive planning approach with ongoing advice and personalized wealth management. I begin by gaining a deep understanding of your financial life, including your goals, priorities, resources, and potential challenges. Using Merrill's Personal Wealth Analysis^®^, we work together to create a personalized financial framework that helps identify opportunities, evaluate trade\-offs, and establish a roadmap for the future. As your life evolves, your plan should evolve as well. Through regular reviews and ongoing conversations, I help clients monitor progress, adjust strategies when appropriate, and remain focused on achieving their long\-term objectives. My role is not simply to develop recommendations, but to serve as a trusted advisor who helps provide clarity, perspective, and guidance during both expected milestones and unexpected life transitions.

Capabilities

Through Merrill and Bank of America, I provide access to a broad range of wealth management resources designed to support every aspect of a client's financial life. As a CERTIFIED FINANCIAL PLANNER® professional, I help clients address key areas including: * Retirement planning * Investment management * Wealth accumulation and preservation * Education planning * Estate and legacy planning strategies * Generational wealth transfer * Risk management * Cash flow and financial planning * Life transition planning Investment strategies are guided by Merrill's Chief Investment Office (CIO) insights and model portfolios, providing clients with disciplined portfolio management informed by extensive market research and investment expertise. Through Merrill's Personal Wealth Analysis^®^, I help clients develop a comprehensive understanding of their financial picture and create personalized strategies aligned with their goals, values, and vision for the future. ~The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., ("Bank of America") and Merrill Lynch, Pierce, Fenner \& Smith Incorporated ("MLPF\&S" or "Merrill"), a registered broker\-dealer, registered investment adviser, [Member SIPC](http://www.sipc.org) and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Focus On

I 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.*

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