Thomas Aronson

Value Proposition

As a Merrill Financial Advisor, I wear three hats to help clients align their finances with their goals: **1. Wealth Planner** – Helping you create a strategy for your financial future through goals\-based planning, retirement planning, and trust and estate planning considerations. The focus is on coordinating the various aspects of your financial life into a clear, long\-term plan. **2. Investment Advisory Services** – Designing investment strategies built around your goals, liquidity needs, and risk tolerance. This includes diversified stock and bond portfolios, tax\-managed investment strategies, and alternative investments where appropriate. **3. Personal Banker** – Providing access to Bank of America's banking and lending capabilities, including cash management, credit solutions, mortgage financing, and balance sheet management to support your broader financial needs. ~Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.~ ~Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high\-net\-worth investors.~ ~Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.~

My Approach

**Financial success often brings increased complexity. That's why I approach financial planning through a simple three\-step framework:** **Organize → Simplify → Optimize** **1. Organize** – Bring together the moving parts of your financial life. Consolidate accounts, coordinate strategies, and create a clear picture of where you are today and where you want to go. **2. Simplify** – Help build a strong foundation. Align account structures, savings, investments, risk management, and liquidity needs to help reduce complexity and support confident decision\-making. **3. Optimize** – Make the most of what you've built. Evaluate opportunities across taxes, wealth planning, estate considerations, banking, lending, and other areas of your financial life to help improve coordination and long\-term outcomes. **The goal is simple: understand where you stand today, build a strong financial foundation, and make thoughtful decisions that support your 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