Matt Chait

Focus On – Individuals, Families, and Businesses Owners

I believe that financial success can be achieved when you're able to make investment\-related decisions and trade\-offs that can help you reach personally meaningful goals. Whether you're planning your retirement, saving to buy a home or funding a child's education, the process begins by getting to know you and how you feel about the following: * Health: Managing healthcare expenses, now and in the future * Home: Upsizing, downsizing, remodeling or buying a vacation home * Family: Taking care of your family and other people in your life * Leisure: Spending your free time in meaningful ways * Giving: Volunteering, mentoring others and giving to charities * Work: Working in retirement, selling or starting a business * Finance: Bringing it all together and defining your financial goals Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant. **Investing involves risk. There is always the potential of losing money when you invest in securities.** *This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.*

Capabilities

It is important to understand where you are today financially, where you want to go, and what resources may be needed to help you get there. Drawing on Merrill's investment insights and with access to Bank of America's credit and lending solutions, I can help provide a comprehensive, personalized strategy designed around your goals and priorities. I believe in transparency throughout the planning process, helping you understand the costs, opportunities, and potential risks associated with your financial strategy. Because life circumstances and market conditions can change, we will meet regularly and adjust your approach as needed to help keep you on track toward your objectives. The broad investing resources of Merrill provide you with access to potential strategies for income management, education funding, retirement income planning, and guidance for executives with concentrated stock positions. In addition to traditional and alternative investments and wealth transfer solutions through Merrill, you have access to estate planning services from Bank of America. As your primary point of contact, I can help coordinate with the key professionals in your life, working closely with your outside advisors, including attorneys, accountants, and elder care specialists, to help ensure all aspects of your financial plan work together in support of your goals. *DISCLOSURE: Some or all alternative investments may not be appropriate for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other appropriate investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high\-net\-worth investors.*

Approach

My approach to investing begins with understanding what matters most to you. It starts with a conversation. I take the time to learn about your family, the path you've taken to build your wealth, and what financial success means to you. Working together, we'll identify your goals, understand your comfort with risk, and develop an investment strategy tailored to your unique circumstances. As your needs evolve, we'll adjust your plan to help keep you on track. As a Merrill advisor, I can provide access to the investment insights and resources of Merrill, along with trust and fiduciary services from Bank of America Private Bank and credit and lending solutions from Bank of America. Because when it comes to financial planning and investing, there's only one approach that truly matters: yours.

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