Tellstone, Sullivan, Michaels, and Associates

Capabilities

Merrill's process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one\-on\-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation. ### Areas of Focus Our team works with individuals, families, retirees, business owners and executives on a wide range of financial planning and wealth management matters, including: Retirement Planning Retirement Income Planning Tax\-Efficient Investment Strategies Roth Conversion Analysis Estate Planning Coordination Trust and Legacy Planning Executive Compensation Planning Business Owner Planning Charitable Giving Strategies Education Planning Multi\-Generational Wealth Planning We work with clients to develop personalized strategies based on their goals, priorities, financial circumstances and risk tolerance.

Who We Serve

Tellstone, Sullivan, Michaels and Associates works with successful individuals, families, retirees, business owners, corporate executives, physicians and multi\-generational families throughout the United States. While our team is headquartered in Latham, New York, we serve clients both locally and nationally through a combination of in\-person meetings and virtual planning relationships. Many of the families we work with seek guidance in the following areas: Retirement planning and retirement income strategies. Tax\-efficient wealth management. Roth conversion analysis. Estate and legacy planning coordination. Business owner and executive planning. Concentrated stock and liquidity event planning. Multi\-generational wealth transfer. Charitable giving strategies. Our goal is to help clients makeinformed financial decisions by aligning investment strategies with their broader financial objectives. .*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.*

Philosophy

**Our Philosophy** We believe wealth management should begin with understanding what is most important to each client and family. Every client has unique goals, priorities and concerns. Some may be focused on preparing for retirement, while others are planning for a business transition, creating a legacy for future generations or developing a strategy for tax\-efficient wealth transfer. Our role is to help clients evaluate financial decisions within the context of their overall financial picture. We work to provide ongoing advice, guidance and access to the resources of Merrill and Bank of America to help clients address changing needs over time. We also regularly coordinate with clients' attorneys, accountants and other professional advisors when appropriate to help ensure investment decisions are aligned with broader planning objectives.

Welcome

**Welcome** At Tellstone, Sullivan, Michaels and Associates, our first priority is understanding what matters most to you. We begin each relationship by listening carefully and developing an understanding of your goals, family circumstances, financial resources and long\-term priorities. From there, we help clients evaluate opportunities and risks related to retirement planning, investment management, tax\-efficient strategies, education funding, estate planning considerations and wealth transfer objectives. Whether you are preparing for retirement, managing a significant liquidity event, operating a successful business or seeking guidance for future generations, our team is committed to helping you make informed financial decisions with confidence.

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