David L. Askenase

Philosophy

I believe good advice starts with good questions, both mine and yours. No question is too big, too small, or too basic, and the conversations that matter most are often the ones people hesitate to start. Are you deciding how to reinvest in your business, or thinking about an eventual sale? Is your income growing faster than your plan, with stock compensation, a first home, or a family on the horizon? Are you facing financial decisions on your own for the first time and wondering where to begin? Are you thinking about the legacy you want to leave? Wherever you're starting from, we'll build a plan designed to help you manage and grow your wealth today while considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I'll work with you to develop an approach designed to help address your financial needs.

Approach

Working together follows a clear path. We'll start by talking about your goals, your family, and how you feel about money and risk. Then we'll decide together what matters most, whether that's reinvesting in your business, building a strong foundation early in your career, getting comfortable managing finances on your own, or planning the legacy you want to leave. From there, we'll put a plan in motion and revisit it as your life changes. **Your approach to investing** Drawing on research in behavioral finance, Merrill developed the Investment Personality Assessment to help us understand how you think and feel about investing. Your results help us tailor the approach we build together, and they may help you refine your own investing preferences along the way. **Keeping your plan current** Your life and goals will change, and your plan should change with them. We'll check in regularly so your strategy keeps pace with your business, your career, and your family.

Capabilities

As your single point of contact, I can help you manage all the pieces of your financial life in one coordinated plan, 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. **For entrepreneurs:** Coordinate your business and personal finances, including lending, cash management, and planning for an eventual transition or sale. **For young professionals:** Build a strong foundation, from investing your growing income to financing a first home. **For those navigating the a major life transition:** Get patient, step\-by\-step guidance on settling accounts, updating beneficiaries, and understanding your options, with access to trust and estate resources when you need them. **For families planning ahead:** Develop strategies for transferring wealth to the next generation.

Focus On

I believe financial success comes from making informed decisions and trade\-offs that move you toward goals that are personally meaningful to you. Whether you're growing a business, building wealth early in your career, or finding your footing after the loss of a spouse, the process begins by getting to know you and how you feel about the following: * **Health:** Managing healthcare expenses, now and in the future * **Home:** Buying your first home, upsizing, downsizing, or deciding whether to stay in the home you have * **Family:** Taking care of your family and the other people who depend on you * **Leisure:** Spending your free time in meaningful ways * **Giving:** Volunteering, mentoring others, and supporting the causes you care about * **Work:** Starting, growing, or selling a business, or planning when and how you'll step back * **Finance:** Bringing it all together and defining your financial goals Success will be measured by the progress you're making toward your goals, with thoughtfully considered adjustments as events and conditions warrant. *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.*

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