Pence Wittenbrink Wealth Management

Approach

Every client relationship begins with a conversation. We take the time to understand where you are today, where you want to go, and the opportunities and concerns you may encounter along the way. From there, we develop a personalized strategy that brings together the different aspects of your financial life. As circumstances, markets, and priorities change, we continue to review that strategy with you and help you make informed decisions with greater clarity and confidence.

Capabilities

We help individuals and families address a broad range of wealth management needs, including investment management, retirement planning, cash flow and liquidity strategies, concentrated investment positions, lending and banking needs, education planning, and legacy considerations. For clients with more complex circumstances, we can also help coordinate conversations with their tax and legal professionals. By drawing upon the resources available through Merrill and Bank of America, our goal is to help clients see how the different pieces of their financial lives can work together.

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