Zachary Allen

Focus On – High-Net-Worth Individuals and Business Owners

I offer clients a breadth of potential solutions, premier customer service and financial tools based on their unique circumstances. No matter what your goals may be, the process begins by defining and prioritizing your financial goals based on 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 The team's industry knowledge and experience helps them provide you with: * Potential risk management strategies * Trust and estate planning services * Tax\-minimization strategies * Access to Bank of America for your credit and banking needs *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.*

Focus On – Retirement Income Planning

Over the last few decades, life expectancy has risen dramatically. Today's retirees are not only living longer, they are living healthier longer. So a question to be answered is "What do you do with those extra years and how will you pay for them?" No matter how much income you may have, putting a retirement strategy in place could be the most important thing—the first thing—you can do as you work with the team on your overall financial strategy. The team can help you determine your lifetime cash flow requirements, you can then focus on the other pieces of your financial life, including legacy and family needs, volunteering for charitable work, leisure time activities, acquisition of collectibles, and building a second home. Let's talk about customizing and implementing a strategy to help you achieve a comfortable retirement. *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.*

Focus On – Millennials

Individuals in their 20s or 30s face challenges that can include student debt or an uncertain economy. You are also presented with unique opportunities during these pivotal growth years of your career. Working within your lifestyle and income needs, the team can help you create strategies that fit your goals, risk tolerance, time horizon and liquidity needs. Whether you're saving to buy (or rent) a home, fund your child's education, expand available leisure time, prepare an emergency fund or budget for a desired retirement, you can get a running start on your future by exploring your priorities for day\-to\-day expenses and corresponding financial planning. *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.*

Focus On – Corporate Executives

For corporate executives, I offer guidance for diversification\* of concentrated stock positions. Business owners receive the assistance needed to build company benefit plans and access to Bank of America for help in addressing cash flow, lending needs and other bank\-related needs. Those corporate executives nearing retirement are provided with insight from which to consider inflation, health care costs and other factors to help you pursue your desired lifestyle. The team is available to talk with you and explore potential strategies available to you. *\*Diversification does not ensure a profit or protect against loss in declining markets.* *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.*

Military Retirement and Transition

I understand the difficulties of Transitioning from the Military. I help service members and their families with the financial transition and planning for civilian life. I have experience with the Military Pension program, TSP, and Disability Pay, so you can get the guidance you need to make your transition as smooth as possible.

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