Jacob Spitz

Maintaining and Adapting Client Portfolios with CIO Guidance

Our team's services don't stop at the initial creation of financial plans. As your financial situation and goals change, we work with you to keep your portfolio of investments updated to help meet your short and long\-term needs. Guidance from Merrill's Chief Investment Office and extensive market research allow us to provide you with informed investment decisions that aims to improve the likelihood of reaching your financial goals. ~The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., ("Bank of America") and Merrill Lynch, Pierce, Fenner \& Smith Incorporated ("MLPF\&S" or "Merrill"), a registered broker\-dealer, registered investment adviser, [Member SIPC](http://www.sipc.org) and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

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