Johansen Petrauskas & Associates

Financial Strategy

Our investment philosophy is built on the belief that successful wealth management requires both discipline and adaptability. Rather than relying on static asset allocations or reacting emotionally to short\-term market movements, we utilize a tactical asset allocation framework designed to evaluate risk and opportunity across changing market environments. This process combines economic analysis, valuation metrics, market trends, quantitative data, credit conditions, and investor behavior to help guide portfolio positioning. By continuously evaluating multiple indicators rather than relying on a single forecast, we seek to make thoughtful adjustments while remaining focused on each client's long\-term objectives. Our investment committee draws upon the extensive resources of BofA Global Research, one of the most respected research organizations in the world, together with independent market research and institutional\-level analysis. We evaluate six key areas: * Economic Conditions * Fundamental Analysis * Quantitative Indicators * Technical Analysis * Credit Markets \& Capital Flows * Interest Rates \& Yield Curve Dynamics This disciplined framework helps us evaluate risk, identify opportunities, and make informed portfolio decisions while keeping each client's financial goals at the center of the process.

Services and Strategies

Effective wealth management requires more than investment management alone. We believe the most successful financial strategies are built by taking a holistic view of your financial life, helping ensure that each component works together in support of your long\-term goals. As Senior Portfolio Managers, Charles Johansen and Brian Petrauskas design and manage customized investment portfolios tailored to each client's unique objectives, risk tolerance, tax considerations, liquidity needs, and long\-term priorities. For many affluent families, this customized portfolio management approach provides an additional level of flexibility and personalization beyond traditional investment models. Beyond portfolio management, we draw upon a broad range of planning capabilities and the resources of Merrill and Bank of America to help clients address both sides of their balance sheet and better organize their financial lives. Our team works collaboratively to develop integrated strategies that evolve as circumstances, markets, and goals change over time. Our capabilities include: * Retirement income and cash flow planning * Legacy and wealth transfer planning * Education funding strategies * Liability management and cash management solutions through Bank of America * Strategies for business owners and corporate executives * Philanthropic planning and charitable giving strategies * Customized investment management * Tax\-aware wealth planning * Coordination with clients' attorneys, accountants, and other trusted professionals By integrating investment management with comprehensive financial planning, we help clients make informed decisions, simplify financial complexity, and maintain confidence that every aspect of their financial life is working together toward a common purpose. Investment products are offered by Merrill. Banking products are offered by Bank of America, N.A.

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