Woods Lutz Wealth Management Group

Investment Approach

Our planning-based approach distinguishes our practice. We begin by listening—learning about your values, concerns, and aspirations. We don't make assumptions; we take time to understand your mindset and motivations. Early conversations often include both spouses and, over time, adult children. We ask meaningful questions to uncover what matters most—family, legacy, and financial security. Common goals include:

• Retiring without compromising lifestyle or income
• Supporting children and grandchildren
• Caring for aging parents
• Leaving a meaningful legacy We also identify overlooked areas—trusts, wills, insurance, and beneficiary designations—ensuring your financial picture is complete before evaluating investments, liabilities, and cash flow.

We believe wealth is personal and must reflect each client's goals. Our investment philosophy emphasizes steady growth aligned with risk tolerance. We avoid unnecessary complexity and leverage:

• Customized portfolios informed by Merrill's Chief Investment Office
• Award-winning research and equity models
• Long-standing relationships with select investment managers

Our Commitment

We aim to be your first call for any financial matter. We coordinate with your CPAs and attorneys year-round and provide access to Bank of America specialists for lending and practice-based solutions.
We are privileged to serve as life advisors—standing with and behind our clients when they need us most. Our ability to serve and desire to help reflect what our clients deserve.

_{*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 and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").}

_{*Extel, formerly Institutional Investor Research, announced BofA Global Research as one of the Top Global Research Firms in 2024 based on surveys held throughout the year. Extel creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals. The 2024 Global Research Leaders ranking lists sell-side research providers by the combined total number of positions earned across Extel's 2024 research team surveys. Results of each survey are published separately throughout the year, beginning in March 2024 with the Japan Research Team and concluding in December 2024 with the Global Fixed Income Research Team. Rankings for each poll are determined strictly by using numerical scores. Extel takes the number of votes awarded to each firm in a sector and weight it in relation to the size of the institution responding and rating it awarded. Firms are designated runners-up when their scores fall within 35 percent of the third-place scores. 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, and wholly owned subsidiary of Bank of America Corporation. Rankings and recognition from Extel are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.}