BRZ Group

Business Owners & Entrepreneurs

We help business owners and entrepreneurs navigate the financial complexities of building, growing, and transitioning a business, including: * Managing concentrated wealth tied to a business or single asset * Planning for liquidity events such as a sale, recapitalization, or succession * Coordinating entity, tax, estate, and charitable planning strategies * Evaluating diversification options before and after a transaction * Designing investment portfolios aligned with long\-term goals and cash flow needs * Creating strategies to preserve wealth and support future generations * Coordinating with attorneys, CPAs, investment bankers, and other advisors * Providing CEPA®\-informed guidance around value drivers, personal readiness, and transition planning * Structuring lending and liquidity solutions for tax obligations, real estate purchases, or strategic opportunities **Our goal is simple:** help you make thoughtful decisions before, during, and after a business transition so that the wealth you've created continues to serve your family, lifestyle, and long\-term legacy.

Corporate Executives

We help corporate executives navigate the complexities of equity compensation and executive benefits, including: * Managing stock options, RSUs, performance shares, and other equity awards * Coordinating vesting schedules, exercise decisions, and trading plans * Addressing concentrated employer stock exposure within the broader portfolio * Planning for liquidity needs tied to vesting, exercises, bonuses, and tax obligations * Developing multi\-year tax strategies alongside your CPA * Exploring charitable planning opportunities using appreciated stock * Integrating executive compensation decisions with retirement, education, and legacy goals * Designing diversified investment portfolios aligned with your risk tolerance and objectives * Coordinating around blackout periods, insider trading policies, and company\-specific restrictions * Creating a disciplined framework for exercising, selling, and reinvesting equity awards **Our goal is simple:** help turn complex executive compensation into a coordinated wealth strategy that supports financial independence, family priorities, and long\-term wealth preservation.

Multigenerational Families

We help families preserve, grow, and transfer wealth across generations, including: * Developing a shared vision for family wealth and legacy * Aligning financial decisions with family values and long\-term objectives * Coordinating estate planning strategies with attorneys and tax advisors * Reviewing trust structures, beneficiary designations, and wealth transfer strategies * Creating tax\-efficient gifting and charitable planning opportunities * Establishing governance frameworks for trusts, family partnerships, and other entities * Developing spending, distribution, and wealth stewardship guidelines * Preparing heirs and future decision\-makers for financial responsibility * Providing financial education tailored to children, grandchildren, and future generations * Integrating investment management, estate planning, philanthropy, and family goals into a coordinated strategy **Our goal is simple:** help families preserve both financial capital and family values while preparing future generations to be responsible stewards of wealth.

Liquidity Events & Exit Planning

We help individuals and families prepare for and navigate significant liquidity events, including: * Preparing for the sale of a business or other major asset * Evaluating strategies to reduce concentration risk before a transaction * Modeling post\-sale cash flow, investment, and lifestyle scenarios * Coordinating with attorneys, CPAs, investment bankers, and other advisors * Reviewing estate planning opportunities before a liquidity event * Evaluating trust, gifting, and charitable planning strategies * Applying CEPA®\-informed planning across personal, financial, and business considerations * Designing investment portfolios aligned with post\-sale objectives * Balancing wealth preservation, income generation, and long\-term growth * Coordinating lending and liquidity solutions for taxes, real estate purchases, or investment opportunities * Helping families transition from operating a business to managing generational wealth **Our goal is simple:** help you transform a one\-time liquidity event into a thoughtful, long\-term wealth strategy that supports your family, future opportunities, and legacy 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