Jorge Aguilar

Preparing for Your Initial Consultation

Before we meet, it can be helpful to reflect on where you are today and where you want to go. This doesn't need to be fully organized—our first conversation is about understanding what matters to you and how your wealth can support your life. To guide our discussion, please prepare the following: **Your priorities and goals** What you're working toward: lifestyle flexibility, traveling, long\-term growth, early retirement, buying a home, building a business, supporting family, or creating a legacy. **Your financial picture** Your Accounts: balances of 401(k)s, investment or brokerage accounts, savings, RSUs or other equity compensation. **Your day\-to\-day finances** Your monthly income and spending, and any major commitments like a mortgage, loans, or upcoming expenses. **Your approach to planning** How you think about investing, your comfort with risk, any protection you have in place (like insurance or estate documents). Most people don't have everything organized—and often put this off because it feels like a lot, or something to deal with later. And that's ok, even taking a few minutes to think through these areas is a meaningful first step. ##### *In my experience, once everything is in one place, it brings a level of clarity and confidence that goes beyond finances. It can reduce stress, improve decision\-making, and open the door to opportunities people may not have considered before.*

Why Financial Planning Matters

When your financial life feels unclear—or pushed to the background because you think you're "fine"—it doesn't stay quiet. It shows up as stress, overthinking, and that constant feeling that something isn't fully in place. Even when you're doing well, it can feel like you're carrying an invisible weight. Financial planning brings relief. It gives you clarity, direction, and the ability to make decisions with confidence instead of second\-guessing yourself. This isn't just about building wealth, it's about creating freedom, easing that mental load, and feeling fully in control of your life and future. If you're ready to feel more clarity, more confidence, and less stress, contact me and let's take the first step together!

Focus On — LGBTQ+ Individuals and Families

##### I help LGBTQ+ clients build financial strategies that support their lifestyle, long\-term goals, and sense of independence — with advice grounded in trust, understanding, and personal relevance. Through Merrill's resources and Bank of America's lending solutions, we'll create a plan that's as unique as you are. **Services tailored to LGBTQ+ clients include:** * **Family\-building financial planning** (adoption, surrogacy, fertility treatments) * **Lifestyle\-based financial planning** (traveling budgeting, retirement relocation strategy, large purchases, art services and lending) * **Lifestyle protection and risk management.** * **Estate planning services with inclusive language and protections**. * **Creative and entrepreneurial wealth planning.** * **Legacy and philanthropic giving aligned with identity and values.** * **Non\-traditional investment guidance** (vacation homes, rental properties, personal ventures) * **Education and resources for the next generation** (financial literacy, saving strategies) ***My Philosophy:*** Everyone deserves a financial guide who sees them fully. I believe in celebrating individuality and creating strategies that reflect your truth. —not fit you into a mold. ***My Approach:*** I listen deeply, ask thoughtful questions, and build strategies that reflect your values, lifestyle, and goals—without assumptions or judgment.

Focus On — Next-Generation Professionals

##### For clients building momentum in their careers, I offer planning that helps turn income into long\-term strategy — from cash flow and investing to lifestyle planning and future optionality. **Services tailored to next\-gen high earners include:** * **Cash flow optimization and savings strategy** * **Tax\-aware investing and equity compensation planning** * **Debt management and student loan strategies** * **Early retirement and financial independence planning** * **Real estate and alternative investment guidance** * **Insurance and risk management for income protection** * **Philanthropy and values\-based giving** * **Digital tools and mobile access for on\-the\-go planning** ***My Philosophy:*** Wealth is a tool for freedom, not stress. I help you use it wisely to support your future and your values. ***My Approach:*** I simplify complexity and offer clear, actionable advice tailored to your career stage and aspirations \*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment's investment objectives will be achieved.

Focus On — Hispanic/Latino Individuals and Families

##### I understand that financial planning can be deeply connected to family, culture, and responsibility. My goal is to bring clarity, trust, and a long\-term strategy that helps clients build lasting progress across generations. **Services tailored to the Hispanic/Latino Community include:** * **Multigenerational wealth planning** that reflects family\-centered values * **Education savings strategies** to support children's and grandchildren's futures. * **Homeownership and real estate guidance** with bilingual support and local insight * **Small business and entrepreneurship support** for family\-run ventures and startups * **Culturally relevant advice and bilingual communication** to ensure clarity and comfort. ***My Philosophy:*** Financial advice should be built on trust, respect, and understanding—especially when navigating cultural nuances and generational shifts. ***My Approach:*** I prioritize transparency, education, and connection. I meet you where you are, explain every step, and help you move forward with confidence—so you can achieve more than the generations before you.

Focus On — Creatives, Entrepreneurs, and Public-Facing Professionals

##### For clients with dynamic careers or unconventional income paths, I help bring structure, discretion, and strategic planning to moments of growth, transition, and opportunity. **Tailored Services Include:** * **Cash flow and liquidity planning** for variable or seasonal income * **Sudden wealth strategies** to manage signing bonuses, royalties, and lump\-sum payments * **Tax\-efficient planning** to optimize income, minimize liabilities, and preserve wealth * **Risk management and asset preservation** for public\-facing careers * **Privacy\-focused estate and legacy planning** * **Philanthropy and impact investing aligned with your platform.** * **Coordination with agents, attorneys, and business managers** * **Lifestyle planning** for travel, real estate, and wellness goals ***My Philosophy:*** Your talent and voice deserve a financial strategy that's as intentional and authentic as your work. I believe in protecting what you've built while helping you grow with purpose. ***My Approach:*** I listen carefully, tailor potential solutions to your unique career path, and collaborate with your team to help ensure every decision reflects your values, goals, and lifestyle. I'm here to guide you every step of the way—so you can focus on your craft while building a future with confidence. *\*Impact investing and/or Environmental Social Governance (ESG) investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.*

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