Ahmad Bahrami

Individuals, Families, and Small Businesses

I believe that financial success can be achieved when you're able to make investment\-related decisions and trade\-offs that can help you reach personally meaningful goals. Whether you're planning your retirement, saving to buy a home or funding a child's education, 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**: Upsizing, downsizing, remodeling or buying a vacation home * **Family**: Taking care of your family and other people in your life * **Leisure**: Spending your free time in meaningful ways * **Giving**: Volunteering, mentoring others and giving to charities * **Work**: Working in retirement, selling or starting a business * **Finance**: Bringing it all together and defining your financial goals Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant. **Investing involves risk. There is always the potential of losing money when you invest in securities.** *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.*

401(k) Sponsors

A successful 401(k) plan involves more than selecting investments. Plan sponsors must balance fiduciary responsibilities, plan governance, fee transparency, investment oversight, employee engagement, and evolving regulatory requirements while ensuring the plan remains aligned with organizational goals. Our process begins with understanding your organization's objectives and evaluating the key components of your retirement plan, including plan design, investment due diligence, benchmarking, fiduciary practices, participant education, and financial wellness initiatives. Through a structured and consultative approach, we help plan sponsors identify opportunities to strengthen plan effectiveness, improve participant outcomes, and support informed decision\-making for retirement plan committees and business leaders alike.

Business Owner & Exit Planning

Many business owners spend years building enterprise value but never develop a plan to convert that value into personal wealth. Ask yourself: • If a buyer approached me tomorrow, would I be ready? • How much of my net worth is tied to my business? • Do I have sufficient liquidity to support growth opportunities? • What is my succession or exit strategy? • Are my personal and business financial plans working together efficiently? I help founders, executives, and privately held business owners navigate these questions through a coordinated approach to wealth management, liquidity planning, capital access, and exit strategy planning. My goal is to help clients create flexibility, prepare for future liquidity events, and align business success with their long\-term personal financial objectives.

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