Spencer Lambright

Philosophy

### A Goal\-Focused Financial Approach I believe the best financial approach is one that helps you pursue your goals. That's why, from the very beginning, we focus on your aspirations and encourage open dialogue around the issues that matter most to you. Are you considering how to manage future healthcare expenses? Planning for college? Thinking about selling a business or purchasing a home? Preparing to pass your wealth to future generations? It all starts with a thoughtful plan—one intended to help you manage, grow, and preserve your wealth today, while also considering the lasting impact it can have in the years ahead. With access to Merrill's investment insights and Bank of America's banking solutions, I will work with you to develop a personalized approach designed to address your financial needs and support your long\-term objectives.

Approach

### Our Approach to Your Financial Goals Every relationship begins with a conversation. Through that conversation, we help you identify and prioritize the goals that matter most to you. Whether your priorities include transferring wealth to the next generation, customizing a financial approach to help you pursue your passions, or receiving ongoing advice and guidance to stay informed, our process starts by listening. We take the time to learn more about you and your family, as well as your unique approach to investing. Drawing on research in behavioral finance, Merrill developed the **Investment Personality Assessment** to help us better understand you as an investor and, potentially, help you refine your investing preferences. By gaining deeper insight into how you think and feel about investing, we can customize the financial approach we develop together—one that's designed to help you pursue what matters most to you. The Investment Personality Assessment is one of the many ways we get to know you; it helps us understand your goals and priorities while providing additional insights and resources tailored to your needs. ### Understanding Your Goals and Priorities Your life and goals will change over time. We have tools designed to help you track those changes, so they can be thoughtfully reflected in your evolving financial approach.

Capabilities

### Merrill's Comprehensive Approach Merrill's process is designed to deliver a customized, comprehensive experience that supports you not only in wealth accumulation and preservation, but also in financial areas that extend beyond investments. You gain access to: * **Investment insights from Merrill** * **Trust and fiduciary services from Bank of America** * **Banking and lending solutions from Bank of America** Together, these resources help you manage all the interconnected pieces of your financial life in a more coordinated way. By working one\-on\-one with a dedicated Merrill advisor, you benefit from a single point of contact who can help you explore strategies for transferring wealth to the next generation and aligning your financial plan with your long\-term goals.

Focus On

### A Personalized Approach to Financial Success I believe financial success can be achieved when you're able to make investment\-related decisions and thoughtful trade\-offs that help you reach personally meaningful goals. Whether you're planning for retirement, saving to purchase a home, or funding a child's education, the process begins by getting to know you—and how you feel about the areas of life that matter most to you, including: * **Health:** Managing healthcare expenses, now and in the future * **Home:** Upsizing, downsizing, remodeling, or purchasing a vacation home * **Family:** Caring for your family and others who are important in your life * **Leisure:** Spending your free time in meaningful and fulfilling ways * **Giving:** Volunteering, mentoring others, and supporting charitable causes * **Work:** Working in retirement, or selling or starting a business * **Finance:** Bringing everything together to clearly define your financial goals Success is measured by the progress you make toward achieving your goals—and by making thoughtful, well\-considered adjustments as life events and market conditions change. *** ** * ** *** **Important Disclosure** This material should be regarded as general or educational information related to 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.

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