ROCHE HANS ORDERS GROUP

Our Process

#### No two clients—or their financial situations—are alike. Everyone has a unique set of goals, priorities, and challenges, and the strategies we develop are tailored accordingly. #### Our approach is centered on understanding what matters most to you. Through thoughtful, one\-on\-one conversations, we take the time to learn not only your financial objectives, but also the values and motivations behind them. #### We then build a comprehensive view of your financial life—considering your assets, liabilities, liquidity needs, time horizon, and tolerance for risk. By integrating these elements, we develop personalized strategies designed to align where you are today with where you want to be in the future. #### Our relationship extends beyond managing investments. We strive to serve as a trusted resource for you and your family, providing ongoing guidance and support across every stage of your financial journey.

Our Philosophy

#### We focus on long\-term results rather than short\-term market fluctuations. Our goal is to help you build a disciplined investment strategy that can adapt across changing market environments, allowing you to feel more confident and less concerned with day\-to\-day volatility. #### We believe in the importance of diversification—across asset classes, investment styles, and global markets—to help manage risk while positioning your portfolio for sustainable growth over time. When appropriate, we may also incorporate non\-traditional investments to further enhance diversification. #### Our approach is grounded in disciplined risk management. We seek to protect your portfolio during periods of uncertainty while identifying opportunities for long\-term growth, maintaining flexibility as markets and personal circumstances evolve. #### Supported by insights from Bank of America and other trusted sources, our goal is to provide informed, thoughtful guidance that fits within the broader context of your overall financial strategy.

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