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ABOUT OUR TEAM Our Financial Advisor teams make a difference in people’s lives by asking great questions and listening. We listen to your hopes and fears, we listen to your needs and to your aspirations. We help you define what is possible and then we teach you how to successfully reach your financial goals. We understand how important your money is to you and we accept the responsibility and accountability for helping you reach your goals without unnecessary risk and volatility. All our clients are important. We are committed to providing you personalized advice and service so that your experience exceeds your expectations. Although we serve many segments of investors – from people concerned about preserving and transferring their wealth, to people saving for future education costs – our tools and professional acumen are particularly important in helping people in pre-retirement and retirement phases of life. We focus not only on today’s income need for the retiree but the inevitable need for greater income in the future. Our goal is to help people live more fully in their retirement years.
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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Investment products, insurance and annuity products:
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
MLPF&S and U.S. Trust make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest.