The AHM Wealth Management Group - Matani Paschold

Approach

**An Integrated, Multi\-Disciplinary Approach to Complex Wealth** Our approach is designed to address the full complexity of ultra\-high\-net\-worth balance sheets. We go beyond traditional financial planning to deliver an integrated strategy that encompasses investments, taxes, estate planning and risk management. Our process includes: * Deep Discovery – Understanding your financial structure, priorities, and long\-term vision * Strategic Design – Developing customized, tax\-aware, and risk\-calibrated solutions * Implementation – Executing with precision across accounts, entities, and structures * Ongoing Optimization – Continuously adapting strategies as markets, laws, and life circumstances evolve We work in close coordination with your attorneys, accountants and other trusted advisors to ensure alignment across every aspect of your financial life.

CIO Office

**CIO Office** Our clients benefit from insights and guidance informed by a global Chief Investment Office, providing a disciplined, research\-driven perspective on markets, economies, and portfolio strategy. By leveraging institutional resources, we aim to bring clarity and direction to complex investment environments through: **Macro \& Market Insights** Ongoing analysis of global economic trends, interest rate environments, and geopolitical developments that may impact portfolios. **Strategic Asset Allocation** Thoughtful guidance on long\-term portfolio positioning designed to balance growth, income, and risk across market cycles. **Tactical Opportunities** Identification of timely investment themes and opportunities, supported by rigorous research and market intelligence. **Risk Management Frameworks** A disciplined approach to navigating volatility and preserving capital during periods of uncertainty. We integrate these insights into your overall strategy—aligning broader market perspectives with your specific objectives, liquidity needs, and long\-term vision. To explore these perspectives in greater detail, we invite you to review our latest Chief Investment Office insights and market outlook. [CIO Brochure](https://a.mktgcdn.com/f/3343533/fxqN\-WcVoqHvIwtH6H\-eTU5WgKRQnS6qHTfSgrS4AEQ.pdf)

Tax Positioning

**Proactive Tax Strategy for Sophisticated Portfolios** Tax efficiency is a critical component of long\-term wealth preservation. For ultra\-high\-net\-worth clients, even marginal improvements in tax positioning can have a meaningful impact over time. We incorporate tax considerations into every layer of your strategy, including: * Asset allocation and tax\-efficient portfolio construction * Capital gains management and realization timing * Loss harvesting and income offset strategies * Estate, gifting, and trust\-related tax planning * Coordination with external CPA and legal teams Our objective is not simply to reduce taxes today—but to position your wealth efficiently across years, market cycles, and generational transitions. To learn more about opportunities to enhance tax efficiency and preserve wealth over time, please explore the educational resources below. [A Founders Guide to Managing Taxes](https://a.mktgcdn.com/f/3343533/kxKZWLRwMYodqzWzr6Aq2WPl_0KJU4IvtzseXnDt5gc.pdf) [Deferring Capital Gain: Qualified Opportunity Zones Under the 2017 Tax Cuts and Jobs Act](https://a.mktgcdn.com/f/3343533/6NJH2qasaJLtTHxDDxKJCR4JDt7HBVfIrLp3g63Lz74.pdf) [Qualified Opportunity Funds: Timing Matters](https://a.mktgcdn.com/f/3343533/QR3W29jDm0WfLppwJDUpj\-xzoF1CUNKF93YWeCadRzA.pdf) [The Capital Gains Dilemma](https://a.mktgcdn.com/f/3343533/7eGt8C6bXknXRnH4l7PW8clDVN3unAMlsKlSoUaWDQg.pdf) [Beginning of Year Tax Planning](https://a.mktgcdn.com/f/3343533/xPVbYW\-y46Z4AGGcWUyZbVi\-\-9j2wdBOtL0UdDf\-RqY.pdf) [Annual Exclusion Gifts](https://a.mktgcdn.com/f/3343533/kvKtdadFxA_qyURgOttaFV_F760EVyeqStAtTC224GY.pdf)

Retirement & Legacy

**Retirees** Retirement represents a shift from wealth accumulation to strategic management. The focus evolves toward sustaining lifestyle, minimizing inefficiencies, and ensuring a seamless transfer of wealth aligned with long\-term objectives. Our approach centers on four key pillars: **Cash Flow Planning** We design sophisticated income strategies that incorporate multiple sources of wealth—investment portfolios, business interests, trusts and alternative assets. The goal is to create reliable, efficient cash flow while preserving long\-term capital. **Tax Minimization Strategies** We proactively manage tax exposure across all levels of your financial structure. By coordinating distribution strategies, timing of income and integration with estate and trust planning, we aim to enhance after\-tax outcomes over time. **Investment Management** Portfolios are constructed with a focus on durability, risk management and alignment with evolving income needs. We emphasize strategic asset allocation, liquidity planning, and ongoing adjustments to reflect changing markets and life circumstances. **Legacy Planning** We work closely with you and your advisors to structure the transfer of wealth in a way that reflects your values and intentions. This includes multigenerational planning, trust strategies, and philanthropic considerations designed to preserve both wealth and purpose. Our objective is to provide clarity and confidence—ensuring your wealth continues to serve you, your family, and future generations with intention and precision. To learn more about the opportunities and challenges retirees often face, please review the educational resources below. [Estate and Wealth Transfer Planning](https://a.mktgcdn.com/f/3343533/7pllCImHy4sU4wn0WjTCyv5R7D9923TDdPUJJpyJRCQ.pdf) [Family Office Services Overview](https://a.mktgcdn.com/f/3343533/sGiSoueXT0RnUyJO4Ahfx2IsmqQV5_ZfOwjdHmTJrvo.pdf) [Merrill Center for Family Wealth](https://a.mktgcdn.com/f/3343533/xzFsw_uemYDR_wl_9gf2NPxKPnX\-EI_hYpQvyp6Ddxc.pdf) [Providing Merrill Lynch Clients with Trust and Fiduciary Services from an Industry Leader](https://a.mktgcdn.com/f/3343533/KKufVn1YV86lnJWNAdZ8PREMB9HJdSZ\-A4vMgvxwKcA.pdf) [Qualified Personal Residence Trust (QPRT)](https://a.mktgcdn.com/f/3343533/TES39P8h0jIs3HBqaorHWDGRNUqoyUqxW2M1sivmmq0.pdf) [Spousal Lifetime Access Trusts (SLATs)](https://a.mktgcdn.com/f/3343533/PhJa6tKv6Pcwbo57ksF8uqjdQ3Tn\-GaoJ45eyMAgEuU.pdf)

Business Executives

**Strategic Planning for Business Executives** For business executives, wealth is often concentrated, dynamic, and deeply personal. We provide strategic guidance to help navigate the complexity of building, preserving, and transitioning enterprise value. Our work includes: * Structuring liquidity and exit strategies * Managing concentrated equity exposure * Designing tax\-aware compensation and distribution strategies * Planning for succession and generational transfer * Aligning business decisions with personal wealth and legacy goals whether you are scaling a company, preparing for a transaction, or transitioning ownership, we help you optimize outcomes at every stage.

Medical and Legal Professionals

**Specialized Guidance for High\-Earning Professionals** Medical and legal professionals often face unique financial complexities—from high income variability and tax exposure to limited time for active financial oversight. We help address these challenges through: * Tax\-efficient investment and income strategies * Retirement planning beyond traditional vehicles * Risk management and asset protection considerations * Integration of partnership income, equity stakes, or practice ownership * Long\-term planning for wealth accumulation and transition. Our role is to simplify complexity, allowing clients to remain focused on your profession while ensuring your financial strategy is aligned with your long\-term 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