George Barrett

Creating a Financial Plan - 3 Step Process

# Creating a Financial Plan \- 3 Step Process **Step 1:** My planning process begins with a 30 minute conversation focused on understanding you, your goals, and your priorities. We'll go over your financial picture, including your retirement accounts, investment accounts or savings accounts. We'll discuss your cash flow and spending. I'll ask about your comfort with investment risk to ensure your plan aligns with your preferences. Ultimatley, this call is about you and your opportunity to tell me whats most important to you. **Step 2:** I prefer to meet either in person or virtually on Webex or Zoom. Now that we established a clear understanding of your objectives, we collaborate to create and implement a personalized plan. During this meeting, we'll take a closer look at your financial plan, review your progress toward your goals, and discuss personalized recommendations to help keep you on track. Together, we'll create a clear roadmap for your financial future. **Step 3:** We make any neccesary changes and improvements to your plan. From there, our relationship continues through regular reviews and ongoing guidance, allowing us to adapt your strategy as your goals, circumstances, and market conditions evolve over time. \*Note appointment times and process can vary depending on financial complexity.

Capabilities

Merrill is designed to be a one\-stop resource for your personal financial needs. By combining investment guidance with banking, lending, retirement planning, and wealth transfer strategies, we can help create a more connected and efficient financial experience. Instead of managing multiple relationships across several institutions, you have a dedicated advisor who can help coordinate all aspects of your financial life. The result is a simpler, more organized approach that can help save time, reduce complexity, and keep your financial strategy aligned with your goals.

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