Tommy Tullo

Philosophy

**It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come.** Whether you're planning for retirement, funding a child's education, preparing for a major transition, or considering the sale of a business, financial decisions are often connected to the people you care about and the goals you hope to achieve. I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about the issues that matter most to you. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.

Approach

**Every relationship begins with a conversation.** That's why I take the time to understand your goals, priorities, concerns, and the issues that matter most to you. By asking thoughtful questions and listening carefully, I seek to develop a deep understanding of your experiences, values, and aspirations. Drawing upon research from the field of behavioral finance, I recognize that successful investing is about more than markets and portfolios. It also involves understanding how our personal perspectives can influence financial decisions. Together, we can use these insights to help shape a strategy designed to align with your priorities, support your long\-term objectives, and help you navigate important financial decisions with confidence.

Capabilities

**Important financial decisions often involve multiple moving parts.** From investments and retirement planning to insurance needs and estate planning considerations, I help clients understand the opportunities, challenges, and trade\-offs associated with important financial decisions. My role is to provide perspective, guidance, and clarity as you make financial decisions that support your priorities and long\-term objectives. Life rarely stands still, and financial priorities often change over time. Maintaining an ongoing dialogue helps ensure your strategy continues to reflect your goals, priorities, and future plans.

Focus On

**Many of life's most important goals involve financial decisions and trade\-offs.** Whether you're planning for retirement, saving to buy a home, or funding a child's education, it starts with understanding the people, priorities, and experiences that shape your financial decisions: • **Family:** Taking care of your family and other people in your life • **Health:** Managing healthcare expenses, now and in the future • **Work:** Working in retirement, selling or starting a business • **Home:** Upsizing, downsizing, remodeling, or buying a vacation home • **Giving:** Volunteering, mentoring others, and giving to charities • **Leisure:** Spending your free time in meaningful ways • **Finance:** Bringing it all together and defining your financial goals **Success is not measured by a single outcome, but by the progress you're making toward your goals and your ability to adapt as life, circumstances, and priorities evolve.**

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