Approach

**Our Approach to Wealth Management** At the heart of our service lies an initial dialogue, one that seeks to deeply understand and prioritize your unique aspirations. Whether your objectives include sophisticated wealth transfer strategies for future generations, bespoke financial strategies aligned with your passions, or strategic counsel to navigate the complexities of wealth management, we begin by attentively listening to you and your family's needs. **Your Investment Philosophy** Leveraging cutting\-edge research in behavioral finance, Merrill has crafted the Investment Personality Assessment. This tool is designed to enhance our understanding of your investment mindset, enabling us to tailor a financial strategy that resonates with your personal values and ambitions. By delving into your perceptions and emotions surrounding investing, we can collaboratively develop a customized approach that empowers you to focus on what truly matters. **Aligning with Your Evolving Goals** Recognizing that your life and aspirations are dynamic, we provide a suite of advanced tools and resources to adapt to your evolving priorities. Our commitment is to ensure that your financial strategy remains aligned with your goals, allowing you to navigate the complexities of wealth with confidence and clarity.

Business Owners

**Read more on the Team:** [CoVa Biz July Issue](https://a.mktgcdn.com/f/3343533/kv7Y4eeHCu_WREIsZhad4M9zo_kO7s4evRKY8tmLcSY.pdf)

Tax Positioning

Medical & legal Professionals

The complex financial needs of healthcare, legal practice owners, and their families demand a more sophisticated measure of wealth management. The AHM Wealth Management Group's specialized knowledge focuses on the planning and cash flow, investment management, tax minimization strategies, legacy planning and asset preservation needs that are critical and unique for high net\-worth practitioners. With exposure to the highest tax brackets, healthcare and legal practice owners need wealth management strategies that go above and beyond simply portfolio management. We understand that these individuals' retirement plans must fund a large portion of their retirement income. Going beyond a simple two\-level tax deferral retirement define contribution plan, The AHM Wealth Management group works with clients to consider additional deferral opportunities coordinating all aspects of ERISA plan law. In addition to income tax deferral, they must have a very efficient after\-tax portfolio that minimizes capital gains and focuses on appreciation during the accumulation phase, or income during the distribution phase. The AHM Wealth Management Group provides the following strategies that focus on the unique needs of practice owners, and their families. Opportunities to defer income taxes during working years to build tax\-deferred and ERISA protected\-assets Four levels of retirement plan tax deferral opportunities to consider: * Advisors who understand how to use titling and retirement plans for asset preservation * Special programs for mortgage, practice, and personal financing through Bank of America * An integrated legacy and tax minimization plan that aligns with the an overall wealth plan and investment portfolio * A relationship with one team to assist with financial strategy, personal banking and loans, investment management, tax minimization, and legacy planning We forge stable, long\-lasting professional and personal relationships focused on family security and asset preservation. Our holistic market view and long\-term investment approach result in customized plans and portfolios that fulfill our healthcare and legal practice owners' life priorities. Plus, the combination of The AHM Wealth Management Group's experience and the investment resources of Merrill and banking capabilities of Bank of America, a national financial powerhouse, forms a strong platform to achieve our clients' goals and aspirations. \*Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Retirees

As you enter your retirement years, it's important to have a solid plan to ensure your financial security. Our team's approach to wealth management is designed to help you meet your financial goals and objectives. The four key areas in which our approach focuses: * Cash flow planning We understand that generating cash flow is essential. Our team analyzes your assets, liabilities, income, and expenses to develop a financial plan that's custom tailored to your needs. * Tax minimization strategies As taxes can have a significant impact on your retirement income, we are committed to tracking tax strategies to help optimize your cash flow. We stay current with the latest tax laws and regulations and can work with your CPA to help optimize your retirement income. * Investment management We work with you to develop a strategy that aligns with your financial goals and objectives. Our team has the experience and knowledge to help you navigate your investment portfolio. * Legacy planning Your legacy is important to you, and we are committed to protecting it. We partner with Estate Planning Specialists from Bank of America to ensure your assets are distributed according to your wishes. The AHM wealth management group is dedicated to providing you with appropriate solutions that will help you achieve your desired retirement lifestyle. Please feel free contact us and discover how we can be beneficial to your personal situation

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