Morgan Hayes

A personalized approach. A clear plan. Confidence for what's next.

I believe financial planning starts with understanding what matters most to you. Before discussing investments or strategies, I take the time to listen, learn about your goals, and understand what's important to you and your family. Whether you're planning for retirement, saving for college, managing investments, reducing taxes, or preparing for life's next chapter, my goal is to help make the process feel less overwhelming. Together, we'll create a personalized strategy designed around your unique needs, priorities, and long\-term objectives. Backed by the experience of The Barnish Micheals Hayes Group and the resources of Merrill and Bank of America, I help clients turn financial goals into actionable plans. Through ongoing guidance and a collaborative relationship, I'll work with you to help navigate life's financial opportunities and challenges with confidence. **Financial planning doesn't have to be complicated. That's what I'm here for.** Let's build a plan that gives you clarity today and confidence for tomorrow.

Big-firm resources. Personlized Advice. A plan built around you.

When you work with Merrill, you gain access to far more than investment management. Through the extensive resources of Merrill and Bank of America, we can help address nearly every aspect of your financial life, including retirement planning, investment management, college savings, cash flow planning, lending solutions, estate planning strategies, philanthropic giving, and wealth transfer. By bringing these resources together under one roof, we help simplify the financial planning process and create a coordinated strategy designed around your goals, your family, and your future.

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