The Stacy Gray Group

Our Philosophy

It's important to plan for your financial future, which means getting more than investment advice. You may find value in a one\-on\-one relationship with someone dedicated to knowing who you are and what you want to accomplish. Someone who knows your children's names, how hard you worked to get where you are and how you view investing. Our commitment is centered on helping you achieve your goals by making your needs a priority. Our advice and financial planning approach are guided by what's important to you.

Our Process

Working with us means working with advisors truly dedicated to helping you pursue your goals. The approach is simple, transparent and supported by thoughtful investment guidance aligned to the goals that matter most to you.The value of the relationship with you includes:\* helping you make informed decisions\* recognizing your life priorities and goals\* understanding your investment style\* helping you prioritize and pursue goals\* being transparent by making possibilities, fees and risks clear\* taking steps to help you preserve income during a life challenge\* educating the younger generation about investments and the markets**Your approach to investing**Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you \- to understand your goals and priorities. These questions will help us provide you with additional insights and resources.**Understanding your goals and priorities**Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Capabilities

If you want to invest in the momentum of our changing world, we welcome the opportunity to demonstrate how a sustainable and impact investing approach could help you pursue your goals. Sustainable and impact investing incorporates sustainability analysis alongside traditional financial analysis to identify opportunities and potentially mitigate risks that could affect a company's profitability. And if you're looking to align your investments to your personal preferences, we can help you do that too. ~\*All investing involves risk, including the possible loss of principal.~ ~\*\*Sustainable and Impact Investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.~

Our Team's Focus

We 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