The Kang Group

Approach

We bring Merrill's global capabilities with a boutique, relationship‑driven mindset—built for families who think in decades, not days. ### What's changed—and how we respond The wealth landscape has shifted: from one‑time transactions to ongoing advice, from purely active mutual funds to a blend that includes indexing, from solo advisors to coordinated teams, and from public‑only markets to a broader private opportunity set. We harness change thoughtfully and put it to work for families across generations. ### How we serve—built for durability Personalization with tax awareness * Direct indexing and tax‑loss harvesting to personalize portfolios, manage concentration risk, and seek improved after‑tax outcomes over time. * We coordinate with your independent tax and legal advisors to align strategy with your situation. Public and private markets—thoughtfully combined * As more growth capital is raised in private markets, access (where appropriate and eligible) can complement public holdings. * We evaluate liquidity, time horizon, and risk before considering private investments, and we educate families on trade‑offs. AI‑enabled, human‑led * We use vetted technology to enhance research, monitoring, and client service—so you get faster insights and better organization—with advisor oversight at every step. * Tools support our work; judgment, ethics, and experience drive decisions.

Working With Us

*Where your treasure is, your heart is also.* Experience bespoke wealth management strategies and white‑glove service. ### Onboarding * Explore quantitative details, qualitative goals, and your personal and family values * Gather, review, and update key documents: financial, estate, tax, trust, and insurance * Develop a deep understanding of your challenges, risks, opportunities, and upcoming life events * Discuss sensitive topics with care: children, health, legal matters, and philanthropy * Collaborate with your attorneys, assistants, and CPAs * Provide access to relevant client tools and platforms * Send a welcome email with next steps and introductions to your dedicated service team ### Tactical * Design and implement asset allocation, including dollar‑cost averaging where appropriate * Conduct initial and ongoing due diligence on funds, managers, portfolios, and positions * Oversee portfolio construction and investments with disciplined rebalancing * Offer impact investing options to align investments with your values * Review and integrate insurance and annuities; educate on cash flows and complexities * Use Merrill's proprietary Portfolio Risk Tool to help identify outliers * Track risk‑adjusted performance relative to your custom benchmark * Run scenario analysis and stress tests to estimate the probability of achieving your goals ### Strategic * Build your master financial plan; update annually and as needed * Help allocate and aggregate retirement plans, IRAs, benefits, and other tax‑deferred vehicles * Establish and ladder emergency reserves (savings, checking, and lines of credit through Bank of America) * Review your estate plan; educate beneficiaries, update powers of attorney, and coordinate with trustees * Review debts comprehensively: mortgages, credit lines, commercial and consumer loans, and credit cards * Assess risk mitigation: life, liability, long‑term care, disability, and property \& casualty * Coordinate business assets and liabilities: succession, liquidity events, and monetization planning * Analyze equity compensation: stock options, ESPPs, restricted stock, and more * Support family governance: education, facilitation, implementation, and legacy * Provide lifestyle advisory: premier client services, cash management, and lending solutions through Bank of America * Structure philanthropy: elevate giving, choose vehicles (DAFs, foundations), and formalize a plan ### Communication \& Support * Scheduled portfolio reviews and event‑driven check‑ins * Monthly email updates on the economy, markets, and charitable opportunities * Ongoing insights on our team website * Coordinate day‑to‑day financial responsibilities with personal banking, credit/debit cards, and checks through Bank of America * Centralize records using Merrill's Digital Vault and document app * Merrill app support: bill pay, transfers, My Financial Picture, e‑delivery, and third‑party access * E‑signature and mobile verification * Assistance with form filings, alternative investments, proxy votes, and class actions

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