The Hagwood Tomoda Group

Guidance for Every Stage of Wealth

##### **Helping executives, business owners, retirees, and families navigate life's most important financial decisions.** Your financial life is influenced by more than just investments. Your career, family, business interests, and future goals all play a role in the decisions you make today. Whether you're building wealth, preparing for retirement, navigating a major transition, or planning for future generations, we provide guidance designed to help align your financial life with what matters most. ##### **++We Work With Individuals and Families Such As:++** * **Corporate Executives and Professionals** Managing equity compensation, restricted stock, stock options, retirement benefits, and tax\-efficient wealth accumulation. * **Business Owners and Entrepreneurs** Building personal wealth alongside business success, preparing for growth, succession, or an eventual sale. * **Individuals Approaching Retirement** Seeking confidence around retirement income, healthcare costs, tax planning, and maintaining their lifestyle. * **Multigenerational Families** Looking to preserve wealth, transfer assets efficiently, and prepare future generations for financial responsibility. * **Individuals Navigating Significant Wealth Events**Navigating inheritances, concentrated stock positions, business sales, or large liquidity events. ##### **++How We Help++** * **Make Better Financial Decisions**We create a customized financial plan that connects your investments, taxes, retirement goals, business interests, and estate planning services into one coordinated strategy. * **Create Retirement Income Strategies**We help clients transition from accumulating wealth to developing sustainable income strategies designed to support the lifestyle they envision. * **Help Improve Tax Efficiency**We evaluate opportunities across investment management, retirement planning, charitable giving, and wealth transfer strategies to help improve after\-tax outcomes. * **Manage Market Risk Thoughtfully**Rather than reacting to headlines, we help clients stay disciplined through market cycles with portfolios designed around their goals and risk tolerance. * **Preserve and Transfer Wealth**We work alongside attorneys and tax professionals to help families create efficient legacy and estate planning strategies. * **Prepare for Major Financial Transitions**Whether selling a company, receiving stock compensation, retiring, or experiencing a liquidity event, we help clients make informed decisions during periods of change.

Solutions for Your Institution

###### **Institutional consulting and investment guidance designed to help organizations navigate complex financial decisions with confidence.** As a **Merrill Institutional Consulting™** (MIC) group of Bank of America and Merrill, we provide investment consulting solutions designed to align with your organization's goals, governance structure, and desired level of service. Through Merrill and Bank of America's extensive resources, we can provide access to institutional investment expertise, specialized resources, and analytical tools to support your organization's investment and fiduciary needs. Whether you are seeking guidance on a specific initiative, ongoing investment consulting, or discretionary portfolio management, we work alongside your leadership team to develop solutions tailored to your organization's unique objectives. ###### **++Organizations We Serve++** We work with a diverse range of institutional clients, including: * Corporations * Foundations and Endowments * Nonprofit Organizations * Faith\-based organizations * Healthcare and insurance providers * Union and Taft\-Hartley Funds * Educational Institutions * Family Offices Whether your organization is seeking retirement plan consulting, stock plan services, cash management solutions, employee financial wellness programs, or investment consulting for an endowment or foundation, we help develop strategies designed to align investment management, fiduciary responsibilities, and organizational objectives. We work closely with executives, boards, trustees, investment committees, and other stakeholders to help evaluate financial trade\-offs, assess opportunities, and implement solutions tailored to the unique needs of the organization. ##### **++Our Services++** ###### **Institutional Consulting** * Access to Fiduciary Consulting for ERISA\-Governed Plans * Access to Investment Policy Statement Development and Review * Asset Allocation Analysis * Investment Manager Search and Due Diligence * Performance Measurement and Reporting * Participant and Committee Education **Investment Advisory** * Portfolio Construction * Investment Manager Selection and Due Diligence * Strategic and Tactical Portfolio Rebalancing * Custody, Trading, and Transaction Services * Performance Measurement and Reporting ###### **Philanthropic Solutions** * Specialized Consulting for Governance, Administration, Custody, and Philanthropic Planning * Donor Development Planning * Spending Policy Analysis * Cash Flow and Liquidity Planning \*Merrill Institutional Consulting™ (MIC) is part of Global Wealth and Investment Management (GWIM), the wealth and investment management division of Bank of America Corporation ("BofA Corp."), and offers products and services for the benefit of institutional and ultra‐high net worth clients through dually registered representatives of Merrill Lynch, Pierce, Fenner \& Smith Incorporated (also referred to as "MLPF\&S" or "Merrill") who can provide brokerage and investment advisory services. The nature and degree of advice and assistance provided, the fees charged, and clients' rights and MLPF\&S's obligations will differ depending upon the products and services actually provided. Banking products, services and activities are offered by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. MLPF\&S and Bank of America, N.A. are affiliates of Bank of America Corporation. MLPF\&S is a dually registered broker‐dealer and investment adviser and Member SIPC. MLPF\&S makes available investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp.

Our Process: Plan. Simplify. Execute. Evolve

##### ++**Plan**++ Understand your goals, priorities, values, and vision for the future. ##### **++Simplify++** Organize the complexities of your financial life and identify opportunities. ##### **++Execute++** Implement thoughtful strategies across investments, taxes, retirement, estate planning services, and business interests. ##### **++Evolve++** Adapt your strategy over time as your life, the markets, and the tax landscape change.

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