The Grzybowski Matthews Group

Approach

Working with our team means partnering with advisors who are truly dedicated to helping you pursue your goals. Our approach is straightforward, transparent, and supported by thoughtful investment guidance aligned with your life priorities. We begin by getting to know you and your family. Understanding what matters most to you allows us to create a financial strategy that reflects your investment style and is built around your priorities. You'll receive ongoing advice to help you navigate the inevitable changes that occur throughout life.

Capabilities

Our process is designed to deliver a customized, comprehensive strategy to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill and the credit and lending capabilities of Bank of America offers a way for you to manage all of the pieces of your financial life. We can also help you with potential strategies for transferring wealth to the younger generation.

Who We Serve

##### Individuals \& Families Whether you're planning for retirement, saving for education, preparing for a major purchase, or working toward long\-term financial confidence, we help create personalized strategies aligned with your goals. Our approach is designed to bring structure and clarity to important financial decisions. ##### Legacy\-Focused Households We work with families who are focused on preserving wealth and supporting future generations. From charitable giving and estate considerations to wealth transfer and multigenerational planning, we help clients make informed decisions that reflect their values and long\-term objectives. ##### Business Owners Business ownership often brings unique financial opportunities and challenges. We help clients navigate cash flow, liquidity needs, retirement planning, business succession considerations, and long\-term wealth management while coordinating personal and business financial priorities. ##### Institutions We work with select institutions and nonprofit organizations seeking investment management, retirement plan guidance, and consulting support. Our goal is to help organizations align their financial resources with their mission and long\-term objectives.

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