Boston North Shore Group

Our Process

We call our approach The Endowment Approach, and the name is intentional. Large endowments are not managed to win any single year. They are managed to compound steadily across decades, to fund obligations regardless of the environment, and above all to avoid the deep drawdowns that are mathematically hard to recover from. We manage private wealth the same way. Our starting question is not "how much can this portfolio make?" but "how much can it afford to lose, and still keep you on track?" That framing changes everything downstream – how we diversify, how we size risk, and how we build in resilience for the years that don't cooperate. We would rather participate sensibly in strong markets and protect capital in weak ones than chase the top of the leaderboard and expose you to the kind of loss that resets years of progress. In practice, that means: · A plan built around your actual goals, obligations, and time horizon – not a model risk score. · Diversification designed to behave when it matters most, in stressed markets rather than calm ones. · Ongoing management and regular review, so the strategy adapts as your life and the markets change. · A dedicated team you can reach, who knows your situation without needing to be reintroduced to it. The result we're after is a long\-term relationship built on confidence – the confidence that comes from a strategy engineered to endure, not to impress in any single quarter.

Private Wealth Management

For individuals, families, and business owners, wealth is rarely just a portfolio. It's liquidity events, concentrated stock, retirement, education, philanthropy, and the transfer of what you've built to the next generation – usually all at once, and usually interconnected. We coordinate these moving pieces into a single, coherent strategy. Investment management sits at the center, guided by The Endowment Approach: a disciplined, downside\-aware philosophy focused on protecting and compounding capital over time rather than reaching for the highest possible return in any one year. Around that core, we help you address the planning questions that determine whether the strategy actually works in your life: cash flow, tax\-awareness, risk, and legacy. You work with a dedicated team, not a rotating call center. Your advisors set direction, your relationship managers make sure things get done, and our investment specialists keep the portfolio aligned with your goals and current conditions. Behind us stands the full research, lending, and planning capability of Merrill and Bank of America. ~\*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.~

Institutional Consulting

We advise institutions across the country, from small biotech startups to Fortune 500 companies, on the assets they hold in trust for their employees, their missions, and their beneficiaries. As of June 30, 2026, our team consulted on over $13 billion in institutional assets. We work with: **· Defined contribution/401(k) plans · Defined benefit and pension plans · Non\-Qualified Deferred Compensation Plans · Endowments and foundations** **Fiduciary services.** We serve as an investment fiduciary under both ERISA 3(21) and 3(38), so committees can choose the level of discretion that fits their governance and risk posture: from co\-fiduciary advice to full delegated management of the investment menu. **Investment solutions.** We research institutional\-specific investments (Target Date Series, Collective Trusts, etc.) and can design custom QDIA solutions and model portfolios built around each plan's demographics and objectives. **Participant engagement.** Better outcomes depend on participants who understand and use their plan. We deliver participant education in both English and Spanish, so engagement isn't limited by language. The same institutional\-grade thinking that anchors our private wealth practice is where this side of our business lives, and it's what plan sponsors, investment committees, and boards rely on us to bring to every mandate.

Insight

**Insight** In a life with significant wealth, the financial decisions you make can often have a cascading effect — impacting you, your family, your business and even the greater community. We understand the nuances of these challenges and can help give you the insight you need to navigate important conversations and make more informed decisions. * Access [information and ideas](https://www.pbig.ml.com/latest\-thinking/research\-insights.html) to help you pursue your goals * Tap into the knowledge of specialists who work closely with your Merrill Private Wealth advisor

Simplicity

**Simplicity** Wealth should liberate you, freeing you to pursue passions and interests. Managing the ever\-increasing complexity of your financial life, however, can quickly become all\-consuming. At Merrill, we work to help transform the way you interact with your wealth by distilling that complexity into clear findings and thoughtful guidance, grounded in a personalized plan. What's more, as a Merrill Private Wealth Management client, you have access to a [full range of solutions and services](https://www.pbig.ml.com/solutions.html) designed to help you address the challenges and opportunities significant wealth can bring.

Perspective

**Perspective** Considerable wealth requires a much longer\-term vision — a commitment to maintaining your wealth throughout your lifetime and for generations to come. We're familiar with the demands that kind of time horizon puts on your needs. With our diverse knowledge and experience, we can help safeguard you against reactionary thinking while identifying opportunities in the future. Plus, as a client, you have access to our dedicated Private Wealth Services, including: * [Merrill Center for Family Wealth](https://www.pbig.ml.com/solutions/merrill\-center\-for\-family\-wealth.html)^®^ * [Strategic Wealth Advisory Group](https://www.pbig.ml.com/solutions/strategic\-wealth\-advisory\-group.html) * [Family Office Services](https://www.pbig.ml.com/solutions/family\-office.html)

Recognition