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Submitted URL: http://www.fa.ml.com/ochgroup
Effective URL: https://fa.ml.com/illinois/chicago/ochgroup/
Submission: On August 14 via manual from CA — Scanned from CA
Effective URL: https://fa.ml.com/illinois/chicago/ochgroup/
Submission: On August 14 via manual from CA — Scanned from CA
Form analysis 7 forms found in the DOM
<form id="requestAppointment" class="contactModalForms" novalidate="novalidate">
<div>
<span class="modalFormErrorMsg" role="alert"></span>
</div>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="robert.obrien@ml.com">
<input type="hidden" name="InquiryXsltId" value="40">
<input type="hidden" name="ECOwnerId" value="57300">
<input type="hidden" name="ECInquiryType" value="Request Appointment">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECArgumentList" value="">
<div class="type">
<fieldset>
<legend class="sr-only"></legend>
<div class="checkbox" data-toggle="buttons"><label class="btn btn-primary ML-tealium-interstitial_cta-tag" data-bactmln="Institutioncheckbox"><input type="radio" autocomplete="off">Institution </label><label
class="btn btn-primary ML-tealium-interstitial_cta-tag" data-bactmln="Individualcheckbox"><input type="radio" autocomplete="off">Individual </label></div>
</fieldset>
</div>
<div class="form">
<div class="form_label_input"></div>
<div class="form-item">
<label for="firstname-input-request-form" class="input-label">First Name</label>
<input type="text" class="firstName input-item" name="firstName" minlength="2" id="firstname-input-request-form" aria-required="required">
</div>
<div class="form-item">
<label for="lastname-input-request-form" class="input-label">Last Name</label>
<input type="text" class="lastName input-item" name="lastName" id="lastname-input-request-form" aria-required="required">
</div>
<div class="form-item">
<label for="companyName-input-request-form" class="input-label">Company Name</label>
<input type="text" id="companyName-input-request-form" title="Company Name" name="companyname" class="companyName" aria-required="required">
</div>
<div class="form-item">
<label for="email-input-request-form" class="input-label">Your Email</label>
<input type="text" class="emailAddress input-item" name="emailAddress" id="email-input-request-form" aria-required="required">
</div>
<div class="form-item">
<label for="phone-input-request-form" class="input-label">Your Phone Number</label>
<input type="text" class="phoneNumber input-item" name="phoneNumber" id="phone-input-request-form" aria-required="required">
</div>
<div class="form-item">
<label for="state-select-request-appointment-institutional" class="input-label">Your State of Residence</label>
<select id="state-select-request-appointment-institutional" class="custom-select state-list clear-after-submit input-item" name="State of Residence" aria-required="true">
<option value="" aria-hidden="true"></option>
<option value="Alabama">Alabama</option>
<option value="Alaska">Alaska</option>
<option value="Arizona">Arizona</option>
<option value="Arkansas">Arkansas</option>
<option value="California">California</option>
<option value="Colorado">Colorado</option>
<option value="Connecticut">Connecticut</option>
<option value="Delaware">Delaware</option>
<option value="District Of Columbia">District Of Columbia</option>
<option value="Florida">Florida</option>
<option value="Georgia">Georgia</option>
<option value="Hawaii">Hawaii</option>
<option value="Idaho">Idaho</option>
<option value="Illinois">Illinois</option>
<option value="Indiana">Indiana</option>
<option value="Iowa">Iowa</option>
<option value="Kansas">Kansas</option>
<option value="Kentucky">Kentucky</option>
<option value="Louisiana">Louisiana</option>
<option value="Maine">Maine</option>
<option value="Maryland">Maryland</option>
<option value="Massachusetts">Massachusetts</option>
<option value="Michigan">Michigan</option>
<option value="Minnesota">Minnesota</option>
<option value="Mississippi">Mississippi</option>
<option value="Missouri">Missouri</option>
<option value="Montana">Montana</option>
<option value="Nebraska">Nebraska</option>
<option value="Nevada">Nevada</option>
<option value="New Hampshire">New Hampshire</option>
<option value="New Jersey">New Jersey</option>
<option value="New Mexico">New Mexico</option>
<option value="New York">New York</option>
<option value="North Carolina">North Carolina</option>
<option value="North Dakota">North Dakota</option>
<option value="Ohio">Ohio</option>
<option value="Oklahoma">Oklahoma</option>
<option value="Oregon">Oregon</option>
<option value="Pennsylvania">Pennsylvania</option>
<option value="Rhode Island">Rhode Island</option>
<option value="South Carolina">South Carolina</option>
<option value="South Dakota">South Dakota</option>
<option value="Tennessee">Tennessee</option>
<option value="Texas">Texas</option>
<option value="Utah">Utah</option>
<option value="Vermont">Vermont</option>
<option value="Virginia">Virginia</option>
<option value="Washington">Washington</option>
<option value="West Virginia">West Virginia</option>
<option value="Wisconsin">Wisconsin</option>
<option value="Wyoming">Wyoming</option>
</select>
</div>
</div>
<div class="days">
<fieldset>
<legend>What day(s) of the week are most convenient for you?</legend>
<div class="checkbox" data-toggle="buttons">
<label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="mondaycheckbox">
<input type="checkbox" name="weekdayM" autocomplete="off" aria-label="Monday">MON </label>
<label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="tuesdaycheckbox">
<input type="checkbox" name="weekdayT" autocomplete="off" aria-label="Tuesday">TUE </label>
<label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="wednesdaycheckbox">
<input type="checkbox" name="weekdayW" autocomplete="off" aria-label="Wednesday">WED </label>
<label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="thursdaycheckbox">
<input type="checkbox" name="weekdayTh" autocomplete="off" aria-label="Thursday">THU </label>
<label class="btn btn-primary friday ML-tealium-interstitial_item-tag" data-bactmln="fridaycheckbox">
<input type="checkbox" name="weekdayF" autocomplete="off" aria-label="Friday">FRI </label>
</div>
</fieldset>
</div>
<div class="time">
<fieldset>
<legend>What time of day do you prefer?</legend>
<div class="checkbox" data-toggle="buttons">
<label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="morningcheckbox">
<input type="checkbox" name="morning" autocomplete="off" aria-label="Morning 8AM to 12PM">Morning <span class="sub">8AM - 12PM</span>
</label>
<label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="afternooncheckbox">
<input type="checkbox" name="afternoon" autocomplete="off" aria-label="Afternoon 12PM to 5PM">Afternoon <span class="sub">12PM - 5PM</span>
</label>
<label class="btn btn-primary anytime ML-tealium-interstitial_item-tag" data-bactmln="anytimecheckbox">
<input type="checkbox" name="anytime" autocomplete="off" aria-label="Anytime">Anytime </label>
</div>
</fieldset>
</div>
<div class="send">
<button class="submit ML-tealium-interstitial_appointment-submit-tag" data-bactmln="request_appointments_end" type="submit" value="Submit" data-aaclickevent="true">Send</button>
<button data-dismiss="modal" data-toggle="modal" data-target="#thank-you" style="display:none;" data-aaclickevent="true">Send</button>
</div>
<input type="hidden" name="EntitySiteUrl" class="SiteUrl" value="http://fa.ml.com/ochgroup">
</form><form id="contactUsForm" class="contactModalForms">
<span class="modalFormErrorMsg" role="alert" style="display: none;"></span>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="robert.obrien@ml.com"><input type="hidden" name="FormEmailTest" class="InquiryTo" value="fromInstTeamOwner">
<input type="hidden" name="InquiryXsltId" value="39">
<input type="hidden" name="ECOwnerId" value="57300">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECInquiryType" value="Contact">
<input type="hidden" name="ECArgumentList" value="">
<input type="hidden" name="ecemailfieldname" value="emailAddress">
<div class="type">
<fieldset>
<legend class="sr-only"></legend>
<div class="checkbox" data-toggle="buttons"><label class="btn btn-primary ML-tealium-interstitial_cta-tag" data-bactmln="Institutioncheckbox"><input type="radio" autocomplete="off">Institution </label><label
class="btn btn-primary ML-tealium-interstitial_cta-tag" data-bactmln="Individualcheckbox"><input type="radio" autocomplete="off">Individual </label></div>
</fieldset>
</div>
<div class="form">
<div class="form-item"><label for="firstname-input-contact-team" class="input-label">First Name</label><input type="text" class="firstName input-item" name="firstName" minlength="2" aria-required="required" id="firstname-input-contact-team">
</div>
<div class="form-item"><label for="lastname-input-contact-team" class="input-label">Last Name</label><input type="text" class="lastName input-item" name="lastName" aria-required="required" id="lastname-input-contact-team"></div>
<div class="form-item"><label for="companyName-input-contact-team" class="input-label">Company Name</label><input type="text" id="companyName-input-contact-team" title="Company Name" name="companyname" class="companyName"></div>
<div class="form-item"><label for="email-input-contact-team" class="input-label">Your Email</label><input type="text" class="emailAddress input-item" name="emailAddress" aria-required="required" id="email-input-contact-team"></div>
<div class="form-item"><label for="phone-input-contact-team" class="input-label">Your Phone Number</label><input type="text" class="phoneNumber input-item" name="phoneNumber" aria-required="required" id="phone-input-contact-team"></div>
<div class="form-item"><label for="state-select" class="input-label">Your State of Residence</label><select id="state-select" class="custom-select state-list clear-after-submit input-item" name="State of Residence" aria-required="true">
<option value="" aria-hidden="true"></option>
<option value="Alabama">Alabama</option>
<option value="Alaska">Alaska</option>
<option value="Arizona">Arizona</option>
<option value="Arkansas">Arkansas</option>
<option value="California">California</option>
<option value="Colorado">Colorado</option>
<option value="Connecticut">Connecticut</option>
<option value="Delaware">Delaware</option>
<option value="District Of Columbia">District Of Columbia</option>
<option value="Florida">Florida</option>
<option value="Georgia">Georgia</option>
<option value="Hawaii">Hawaii</option>
<option value="Idaho">Idaho</option>
<option value="Illinois">Illinois</option>
<option value="Indiana">Indiana</option>
<option value="Iowa">Iowa</option>
<option value="Kansas">Kansas</option>
<option value="Kentucky">Kentucky</option>
<option value="Louisiana">Louisiana</option>
<option value="Maine">Maine</option>
<option value="Maryland">Maryland</option>
<option value="Massachusetts">Massachusetts</option>
<option value="Michigan">Michigan</option>
<option value="Minnesota">Minnesota</option>
<option value="Mississippi">Mississippi</option>
<option value="Missouri">Missouri</option>
<option value="Montana">Montana</option>
<option value="Nebraska">Nebraska</option>
<option value="Nevada">Nevada</option>
<option value="New Hampshire">New Hampshire</option>
<option value="New Jersey">New Jersey</option>
<option value="New Mexico">New Mexico</option>
<option value="New York">New York</option>
<option value="North Carolina">North Carolina</option>
<option value="North Dakota">North Dakota</option>
<option value="Ohio">Ohio</option>
<option value="Oklahoma">Oklahoma</option>
<option value="Oregon">Oregon</option>
<option value="Pennsylvania">Pennsylvania</option>
<option value="Rhode Island">Rhode Island</option>
<option value="South Carolina">South Carolina</option>
<option value="South Dakota">South Dakota</option>
<option value="Tennessee">Tennessee</option>
<option value="Texas">Texas</option>
<option value="Utah">Utah</option>
<option value="Vermont">Vermont</option>
<option value="Virginia">Virginia</option>
<option value="Washington">Washington</option>
<option value="West Virginia">West Virginia</option>
<option value="Wisconsin">Wisconsin</option>
<option value="Wyoming">Wyoming</option>
</select></div>
</div>
<div class="send">
<button class="modalPrimaryBtn ML-tealium-interstitial_email-submit-tag" type="submit" data-bactmln="contactmemodalsend" form="contactUsForm" data-target="#thank-you"
data-piwik="{'eventCategory':'Form Submission','eventAction':'Submit','eventName':'Homepage Contact Form'}" data-aaclickevent="true">Send</button>
</div>
<input type="hidden" name="EntitySiteUrl" class="SiteUrl" value="http://fa.ml.com/ochgroup">
<input type="hidden" name="recaptchaToken">
</form><form id="contactMeForm" class="contactModalForms">
<div>
<span class="modalFormErrorMsg" role="alert" style="display: none;"></span>
</div>
<input type="hidden" name="InquiryTo" value="">
<input type="hidden" name="InquiryXsltId" value="25">
<input type="hidden" name="ECOwnerId" value="57300">
<input type="hidden" name="ECInquiryType" value="Contact">
<input type="hidden" name="ECInquirySource" value="TeamWebsite">
<input type="hidden" name="recaptchaToken">
<div class="form">
<input type="text" name="firstName" class="firstName" placeholder="First Name" aria-label="First Name" style="border: 1px solid rgb(229, 229, 229);">
<input type="text" name="lastName" class="lastName" placeholder="Last Name" aria-label="Last Name" style="border: 1px solid rgb(229, 229, 229);">
<input type="text" name="emailAddress" class="emailAddress" placeholder="Your Email" aria-label="Your Email" style="border: 1px solid rgb(229, 229, 229);">
<input type="text" name="phoneNumber" class="phoneNumber" placeholder="Your Phone Number" aria-label="Your Phone Number" style="border: 1px solid rgb(229, 229, 229);">
<textarea name="message" placeholder="How can we help?" aria-label="How can we help?"></textarea>
</div>
<div class="send">
<button class="modalPrimaryBtn" type="submit" form="contactMeForm" data-target="#thank-you" data-aaclickevent="true">Send</button>
</div>
</form><form id="introducefriendForm" class="contactModalForms">
<div class="modal-header hidden-xs">
<button type="button" class="close ML-tealium-interstitial-close-tag" data-bactmln="introduceafriendmodalclose" data-dismiss="modal" aria-label="Close" onclick="recaptchaReset()" data-aaclickevent="true">
<i class="icon-close"></i>
</button>
<h4 class="modal-title">Send your colleagues an email</h4>
</div>
<div class="modal-body">
<p>If you know of someone who would benefit from a relationship with us, send them an email.</p>
<span class="modalFormErrorMsg" role="alert" style="display: none; color: red; font-size: 16px;;"></span>
<div class="form">
<input name="friendEmails" type="text" placeholder="Add Emails (separated by commas)" aria-label="Add Emails (separated by commas)">
<input name="name" type="text" placeholder="Your Name" aria-label="Your Name">
<input name="emailAddress" class="emailAddress" type="text" placeholder="Your Email" aria-label="Your Email">
<label class="sr-only" for="message">message</label>
<textarea id="message" name="message" style="display:none" placeholder="Checkout The OCH Group's site. They'll offer you advice and guidance towards achieving your financial goals."
aria-label="Checkout The OCH Group's site. They'll offer you advice and guidance towards achieving your financial goals."></textarea>
<div id="g-recaptcha" isvalide="false">
<div style="width: 304px; height: 78px;">
<div><iframe title="reCAPTCHA" width="304" height="78" role="presentation" name="a-th0rc1ilvi2n" frameborder="0" scrolling="no"
sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-top-navigation allow-modals allow-popups-to-escape-sandbox allow-storage-access-by-user-activation"
src="https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LdVZBkUAAAAAI7SHo6CgXeWKOi__BX4tHuuj8Tc&co=aHR0cHM6Ly9mYS5tbC5jb206NDQz&hl=en&v=hfUfsXWZFeg83qqxrK27GB8P&theme=light&size=normal&cb=45mw2yxdq2zb"
data-gtm-yt-inspected-31="true"></iframe></div><textarea id="g-recaptcha-response" name="g-recaptcha-response" class="g-recaptcha-response"
style="width: 250px; height: 40px; border: 1px solid rgb(193, 193, 193); margin: 10px 25px; padding: 0px; resize: none; display: none;" aria-hidden="true" aria-label="recaptcha"></textarea>
</div><iframe data-gtm-yt-inspected-31="true" style="display: none;" title=""></iframe>
</div><br>
<script src="https://www.google.com/recaptcha/api.js?onload=onloadCallback&render=explicit" async="" defer=""></script>
</div>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="corrie.pearce@broadridge.com">
<input type="hidden" id="EmailReferalMessageMER" name="ReferalMsg" value="">
<input type="hidden" id="CaptchaCheckedValue" name="CaptchaCheckedValue" value="">
<input type="hidden" name="InquiryXsltId" value="41">
<input type="hidden" name="ECOwnerId" value="30912">
<input type="hidden" name="ECInquiryType" value="Contact">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECArgumentList" value="">
<div class="send">
<button onclick="if( $('form#introducefriendForm .form textarea').val() == '' ){$('form#introducefriendForm .form textarea').val( $('form#introducefriendForm .form textarea').attr('placeholder') );
}" class="modalPrimaryBtn ML-tealium-interstitial_introduce_friend-tag" data-bactmln="introduceafriendsend" data-target="#thank-you" data-piwik="{'eventCategory':'Form Submission','eventAction':'Submit','eventName':'Refer a colleague Form'}"
data-aaclickevent="true">Send</button>
</div>
<span>We will send a one-time email. Your colleagues will not be contacted or approached.</span>
</div>
</form><form id="newsletterForm" class="contactModalForms">
<div>
<span class="modalFormErrorMsg" role="alert" style="display: none;">
</span>
</div>
<input type="hidden" name="InquiryXsltId" value="25">
<input type="hidden" name="ECOwnerId" value="57300">
<input type="hidden" name="ECInquiryType" value="Subscribe">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECArgumentList" value="">
<div class="form">
<div class="form-item">
<label for="firstname-input-newsletter" class="input-label">First Name</label>
<input type="text" class="firstName input-item" name="firstName" minlength="2" aria-required="required" id="firstname-input-newsletter">
</div>
<div class="form-item">
<label for="lastname-input-newsletter" class="input-label">Last Name</label>
<input type="text" class="lastName input-item" name="lastName" aria-required="required" id="lastname-input-newsletter">
</div>
<div class="form-item">
<label for="email-input-newsletter" class="input-label">Your Email</label>
<input type="text" class="emailAddress input-item" name="emailAddress" aria-required="required" id="email-input-newsletter">
</div>
<div class="form-item">
<label for="phone-input-newsletter" class="input-label">Your Phone Number</label>
<input type="text" class="phoneNumber input-item" name="phoneNumber" aria-required="required" id="phone-input-newsletter">
</div>
<div class="radio">
<fieldset>
<legend>Are you a current Merrill client?</legend>
<div class="list">
<div class="list-item">
<label for="CurrentClient_Yes">
<div class="blue-radio"><input type="radio" id="CurrentClient_Yes" class="ML-tealium-interstitial_item-tag" data-bactmln="radio_yes" name="CurrentClient" value="Currently A Merrill Client"><span class="input"></span>
</div>
<span class="input-label"> Yes </span>
</label>
</div>
<div class="list-item">
<label for="CurrentClient_No">
<div class="blue-radio"><input type="radio" id="CurrentClient_No" class="ML-tealium-interstitial_item-tag" data-bactmln="radio_no" name="CurrentClient" value="Not A Current Merrill Client"><span class="input"></span></div>
<span class="input-label"> No </span>
</label>
</div>
</div>
</fieldset>
</div>
<div class="check">
<fieldset>
<legend>What type of content interests you most?</legend>
<div class="list">
<div class="list-item">
<label for="interests_General">
<div class="blue-checkbox"><input type="checkbox" name="interests_General" id="interests_General" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_generalfinancial"> <span class="input"></span>
</div> <span class="input-label">General financial</span>
</label>
</div>
<div class="list-item">
<label for="interests_Retirement">
<div class="blue-checkbox"><input type="checkbox" name="interests_Retirement" id="interests_Retirement" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_retirement"><span class="input"></span>
</div>
<span class="input-label">Retirement</span>
</label>
</div>
<div class="list-item">
<label for="interests_Business">
<div class="blue-checkbox"><input type="checkbox" name="interests_Business" id="interests_Business" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_businessowners"><span class="input"></span>
</div>
<span class="input-label">Business owners</span>
</label>
</div>
</div>
</fieldset>
</div>
<div class="send">
<button class="modalPrimaryBtn ML-tealium-interstitial_eNewsletter-signup-tag" data-bactmln="newslettersignupsend" type="submit" form="newsletterForm" data-target="#thank-you" pxname="eta__newsletterForm__div-10_button-1"
data-aaclickevent="true">Sign Up</button>
</div>
</div>
</form><form id="appointmentRequestForm" class="contactModalForms">
<div>
<span class="modalFormErrorMsg" role="alert"></span>
</div>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="robert.obrien@ml.com">
<input type="hidden" name="InquiryXsltId" value="24">
<input type="hidden" name="ECOwnerId" value="57300">
<input type="hidden" name="ECInquiryType" value="Request Appointment">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECArgumentList" value="">
<input type="hidden" name="ECSiteUrl" value="http://fa.ml.com/ochgroup">
<input type="hidden" name="ecemailfieldname" value="email">
<div class="form">
<div class="form_label_input"></div>
<div class="form-item">
<label for="firstname-input-request-appointment" class="input-label">First Name</label>
<input id="firstname-input-request-appointment" class="clear-after-submit input-item firstName" name="firstname" minlength="2" type="text" aria-required="required">
</div>
<div class="form-item">
<label for="lastname-input-request-appointment" class="input-label">Last Name</label>
<input id="lastname-input-request-appointment" class="clear-after-submit input-item lastName" name="lastname" minlength="2" type="text" aria-required="required">
</div>
<div class="form-item">
<label for="email-input-request-appointment" class="input-label">Your Email</label>
<input id="email-input-request-appointment" class="clear-after-submit input-item emailAddress" name="email" minlength="2" type="text" aria-required="required">
</div>
<div class="form-item">
<label for="phone-input-request-appointment" class="input-label">Your Phone Number</label>
<input id="phone-input-request-appointment" class="clear-after-submit input-item phoneNumber" name="phone" minlength="10" type="text" aria-required="required">
</div>
<div class="form-item">
<label for="state-select-request-appointment" class="input-label">Your State of Residence</label>
<select id="state-select-request-appointment" class="custom-select state-list clear-after-submit input-item" name="State of Residence" aria-required="true">
<option value="" aria-hidden="true"></option>
<option value="Alabama">Alabama</option>
<option value="Alaska">Alaska</option>
<option value="Arizona">Arizona</option>
<option value="Arkansas">Arkansas</option>
<option value="California">California</option>
<option value="Colorado">Colorado</option>
<option value="Connecticut">Connecticut</option>
<option value="Delaware">Delaware</option>
<option value="District Of Columbia">District Of Columbia</option>
<option value="Florida">Florida</option>
<option value="Georgia">Georgia</option>
<option value="Hawaii">Hawaii</option>
<option value="Idaho">Idaho</option>
<option value="Illinois">Illinois</option>
<option value="Indiana">Indiana</option>
<option value="Iowa">Iowa</option>
<option value="Kansas">Kansas</option>
<option value="Kentucky">Kentucky</option>
<option value="Louisiana">Louisiana</option>
<option value="Maine">Maine</option>
<option value="Maryland">Maryland</option>
<option value="Massachusetts">Massachusetts</option>
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THE OCH GROUP
Contact Us
* 312.499.4675
* .
110 N Wacker Drive
IL4-110-17-00
Chicago, IL 60606
Learn more about an advisor's background on
FINRA's BrokerCheck
WHATEVER YOUR PERSONAL GOALS MAY BE, WE WILL WORK TOGETHER WITH YOU, ONE-ON-ONE,
TO DEVELOP A PERSONALIZED FINANCIAL STRATEGY DESIGNED TO HELP YOU PURSUE YOUR
LONG-TERM GOALS.
WE START WITH WHAT’S IMPORTANT TO YOU
We take the time to listen and learn about the needs and goals of your
institution and the people it serves – it’s these real-world insights that guide
our strategies and personalized service.
ABOUT US
* Team
* Additional Resources
* Mission
* Approach
* Our Focus
MEET THE TEAM
Our team is comprised of talented and experienced individuals committed to
building strong client relationships based on trust and personalized service.
An industry professional since 1983, Bob joined Merrill in 1996 after serving 12
years as a financial advisor at Smith Barney, where he managed a corporate
services team. Today, he supports institutional clients with steadfast,
sophisticated advisory support. He graduated from the University of
Wisconsin-Madison business school. An avid golfer, Bob resides in the city of
Chicago.
ROBERT D O'BRIEN,
CPFA™,
CIMA®,
MIC
Wealth Management Advisor
312.499.4675
Ben splits his time between two niche markets. First, he focuses on corporate
retirement plans, leveraging plan design to accelerate retirement readiness for
clients. He is dedicated to helping businesses create and shape their corporate
retirement plans.
Additionally, Ben works alongside affluent and higher-net-worth individuals
through a personalized and focused goals-based approach to wealth management
offered by Merrill.
Ben graduated Cum Laude with a degree in Finance from Indiana University’s
Kelley School of Business.
In his spare time, Ben volunteers with the Cara Program, a non-profit that
inspires motivated individuals to break the cycle of homelessness and poverty.
BENJAMIN I LIENER,
CPFA™
Senior Financial Advisor
312.269.5065
A Merrill financial advisor since 2004, Seamus joined the Firm after serving at
Paychex, where he was responsible for selling and servicing corporate 401 (K)
plans nationwide. Today, he applies his experience to support corporate
retirement planning clients with steadfast advisory service. He also works
closely with many of the plans’ executives and participants, assisting them with
wealth management and retirement planning guidance. Seamus graduated from the
University of Illinois at Chicago where he earned his bachelor’s degree. He
lives in the North Shore of Chicago and enjoys sailing, traveling, and spending
time with his family.
SEAMUS P CARNEY,
CPFA™,
CRPC™
Senior Financial Advisor
312.269.5177
Garrison has worked for the OCH group for 3 years. He focuses on two areas of
business: institutional defined contribution retirement plans and high net worth
individuals. On the institutional side, Garrison focuses on upgrading company’s
retirement plans through improving fiduciary status through 3(21) services,
enhancing investment offerings, and implementing a plan design with the goal of
driving employee engagement and positive participant behavior. Additionally,
Garrison works with affluent individuals to develop specific financial
strategies, using all available Merrill capabilities and keeping a goals-based
wealth management approach in mind.
Garrison graduated with a degree in Economics from Indiana University and is
currently studying for his MBA in finance from Loyola’s Quinlan School of
Business. He resides in Chicago’s River north Neighborhood. In his free time he
enjoys traveling and playing golf when he can.
GARRISON SCHILLING, CPFA,
CPFA™,
CPFA™
Financial Advisor
312.269.5152
Ron is responsible for helping the team build and maintain investment
portfolios. He joined Merrill in 2000 and focuses on business retirement and
business financial services. Ron started his industry career at Charles Schwab
in their Advanced Trading Group. He graduated from Indiana University with a
degree in Business Administration. Ron currently resides in the South Loop area
of Chicago, and in his free time he enjoys traveling.
RONDELL RICHARDSON,
CRPS™
Investment Management Specialist
312.499.4662
Gail started her career with Merrill in 1977 after graduating from Robert
Morris/Moser College in Carthage, IL. Gail’s primary focus is Client Service.
She excels in servicing the needs of our clients in various aspects of account
maintenance and operations. She is married to Kevin and they have two adult sons
Zack and Jordan. In her spare time she enjoys reading and spending time with her
family which also includes one grandson, 5 nieces, one dog(Bentley) and one cat
(Charlie Chaplin). She currently resides in Lombard, IL
GAIL R PORTER
Wealth Management Client Associate
312.269.5118
View All
ADDITIONAL RESOURCES
The OCH Group is supported by talented specialists who have experience working
with institutions and share a strong commitment to guiding investment programs
and strategic decision making.
MISSION
mission is simple: to help institutional investors pursue their goals through
insightful investment guidance and thoughtful management of their financial
assets.
APPROACH
We can offer boutique-like attentiveness and accessibility combined with the
global perspective and industry experience of Bank of America Global
Institutional Consulting. Our team is passionate about helping clients
strengthen and grow their organization, and helping institutions fulfill their
goals and missions. When you work with The OCH Group, you can expect a high
level of commitment, teamwork, personalized service and customized strategies.
INSTITUTIONAL CONSULTING
As a Bank of America Global Institutional Consultant, The OCH Group is among a
select group of highly qualified and credentialed consultants who can provide
the in-depth knowledge and customized service and assistance institutional
investors need to navigate today’s financial landscape and be responsive to
evolving market trends.
RETIREMENT BENEFITS CONSULTANT
As Bank of America Retirement Benefits Consultants (RBC), The OCH Group is one
of a select group of highly qualified and credentialed Merrill advisors
specialized in defined contribution plans who can add value to your plan by:
* Offering access to 3(21) fiduciary services1
* Helping you shape your investment strategies
* Offering thoughtful advice without a proprietary investment requirement
* Providing periodic reporting and helping you understand results and
measurements to assist you in managing your plan over time
* Working with you to create a plan that is designed to drive employee
engagement and positive participant behavior
* Assisting in the delivery of employee financial wellness programs and
education
* Educating employees on connecting their life priorities with their finances
to help them pursue what matters most to them
1Fiduciary Advisory Services is an investment advisory program sponsored by
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly
owned subsidiary of BofA Corp. MLPF&S. MLPF&S offers a broad range of brokerage,
investment advisory and other services. There are important differences between
brokerage and investment advisory services, including the type of advice and
assistance provided, the fees charged, and the rights and obligations of the
parties. It is important to understand the differences, particularly when
determining which service or services to select. Please refer to the Fiduciary
Advisory Services Brochure for information on the program including a
description of the series and related fees.
RETIREMENT ACCREDITED FINANCIAL ADVISOR
As a Bank of America Retirement Accredited Financial Advisor[s] (RAFA), The OCH
Group one of a select group of Merrill advisors specialized in defined
contribution plans who can add value to your plan by:
* Offering access to 3(21) fiduciary services1
* Helping you shape your investment strategies
* Offering thoughtful advice without a proprietary investment requirement
* Providing periodic reporting and helping you understand results and
measurements to assist you in managing your plan over time
* Working with you to create a plan that is designed to drive employee
engagement and positive participant behavior
* Assisting in the delivery of employee financial wellness programs and
education
* Educating employees on connecting their life priorities with their finances
to help them pursue what matters most to them
1 Fiduciary Advisory Services is an investment advisory program sponsored by
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly
owned subsidiary of BofA Corp. MLPF&S. MLPF&S offers a broad range of brokerage,
investment advisory and other services. There are important differences between
brokerage and investment advisory services, including the type of advice and
assistance provided, the fees charged, and the rights and obligations of the
parties. It is important to understand the differences, particularly when
determining which service or services to select. Please refer to the Fiduciary
Advisory Services Brochure for information on the program including a
description of the series and related fees.
* Mission
* Approach
* Our Focus
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GENERAL DISCLAIMER FOR BANK OF AMERICA MERRILL LYNCH
"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets businesses of Bank of America Corporation. Lending, derivatives
and other commercial banking activities are performed globally by banking
affiliates of Bank of America Corporation, including Bank of America, N.A.,
Member FDIC. Securities, strategic advisory, and other investment banking
activities are performed globally by investment banking affiliates of Bank of
America Corporation ("Investment Banking Affiliates"), including, in the United
States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp., both of which are registered as broker-dealers and
Members of SIPC, and, in other jurisdictions, by locally registered entities.
Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp. are registered as futures commission merchants with
the CFTC and are members of the NFA.
Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.
© 2019 Bank of America Corporation.
DISCLAIMER FOR AUSTRALIA:
"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets businesses of Bank of America Corporation ("BAC"). Lending and
other commercial banking activities are performed globally by banking affiliates
of BAC and in Australia by Bank of America, N.A. Australian Branch ("BANA
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1959 of Australia nor regulated by the Australian Prudential Regulation
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by BANA Australia.
©2019 Bank of America Corporation. Published in Australia by BANA Australia.
DISCLAIMER FOR CANADA:
"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets business of Bank of America Corporation. Lending, derivatives and
other commercial banking activities are performed globally by banking affiliates
of Bank of America Corporation including Bank of America, National Association,
Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the
Office of the Superintendent of Financial Institutions. Deposits with BANA CB
are not insured with the Canada Deposit Insurance Corporation. BANA CB shall not
impose undue pressure on, or coerce, a person to obtain a product or service
from a particular person, including bank and any of its affiliates, as a
condition for obtaining another product or service from BANA CB.
Securities, strategic advisory and other investment banking activities are
performed globally by investment banking affiliates of Bank of America
Corporation including in Canada by Merrill Lynch Canada Inc. which is a
registered broker-dealer regulated by the Investment Industry Regulatory
Organization of Canada (IIROC) and a member of the Canadian Investor Protection
Fund (CIPF).
DISCLAIMER FOR INDIA:
Bank of America N.A. and DSP Merrill Lynch Limited are subsidiaries of Bank of
America Corporation operating in India.
Bank of America N.A.: Bank of America provides the following banking products in
India: working capital and term loans, structured finance, export finance,
global cash management, trade products, foreign exchange services and currency
solutions.
DSP Merrill Lynch Limited: DSP Merrill Lynch provides the following services in
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Equity Capital Markets, Debt Capital Markets and M&A. SEBI Regn Nos. Research
Analyst: INH000000503, Stock Broking: INB/INF 011348134, INB/INF 231348138,
Merchant Banker: INM000011625, Depository Participant: IN-DP-NSDL-223-2001.
Registered Office: DSP Merrill Lynch Limited, Ground Floor, A-Wing, One BKC, G
Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051, India. Tel.: (91-22)
6632 8000. For specific investor grievances, if any, email IDs are
brokingindia@ml.com, dpindia@ml.com, dg.india_merchantbanking@baml.com.
Compliance officer - Jinendra Shah, Email: jinendra.shah@baml.com, Tel No.: +91
22 6632 8000
Lending, derivatives, and other commercial banking activities are performed
globally by banking affiliates of Bank of America Corporation, including Bank of
America, N.A., member FDIC. Securities, strategic advisory, and other investment
banking activities are performed globally by investment banking affiliates of
Bank of America Corporation ("Investment Banking Affiliates"), including, in the
United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, which is a
registered broker-dealer and member of SIPC, and in other jurisdictions, locally
registered entities. Investment products offered by Investment Banking
Affiliates: Are Not FDIC Insured. May Lose Value. Are Not Bank Guaranteed. ©
2019 Bank of America Corporation.
DISCLAIMER FOR BRAZIL:
"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets businesses of Bank of America Corporation. Lending, derivatives
and other commercial banking activities are performed globally by banking
affiliates of Bank of America Corporation, including Bank of America, N.A.,
member FDIC. Securities, strategic advisory, and other investment banking
activities are performed globally by investment banking affiliates of Bank of
America Corporation ("Investment Banking Affiliates"), including, in the United
States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp., both of which are registered as broker-dealers and
members of SIPC, and, in other jurisdictions, by locally registered entities.
Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp. are registered as futures commission merchants with
the CFTC and are members of the NFA.
Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000 | email:
ouvidoria_bamlbrasil@baml.com
1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A.
Corretora de Títulos e Valores Mobiliários
Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.
© 2019 Bank of America Corporation.
DISCLAIMER FOR LATIN AMERICA:
"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets businesses of Bank of America Corporation. Lending, derivatives
and other commercial banking activities are performed globally by banking
affiliates of Bank of America Corporation, including Bank of America, N.A.,
member FDIC. Securities, strategic advisory, and other investment banking
activities are performed globally by investment banking affiliates of Bank of
America Corporation ("Investment Banking Affiliates"), including, in the United
States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp., both of which are registered broker-dealers and
members of SIPC, and, in other jurisdictions, by locally registered entities.
Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp. are registered as futures commission merchants with
the CFTC and are members of the NFA.
Bank of America Corporation and its affiliates do not perform in any
jurisdiction banking activities that are reserved by local law to licensed
banks, except in those jurisdictions where its banking affiliates have procured
the necessary licenses.
Unless otherwise indicated, all services/products are conducted on an offshore
basis for Latin America. Some or all of the products may not be available in
certain jurisdictions and are subject to change without notice.
This document and its content are for information purposes and shall not be
interpreted as banking or financial intermediation, business solicitation and/or
public offering of any kind.
Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000 | e-mail:
ouvidoria_bamlbrasil@baml.com
1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A.
Corretora de Títulos e Valores Mobiliários
"Merrill Lynch" is the trademark that Bank of America Corporation uses in the
Republic of Argentina for its capital market, financial advisory and investment
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This entity does not conduct any activities subject to banking license, such as
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Bank of America Mexico, S.A., Institución de Banca Múltiple is a banking
affiliate in Mexico of Bank of America Corporation.
Bank of America N.A., Oficina de Representacion (Colombia), is a representative
office in Colombia of Bank of America N.A., supervised by the Superintendencia
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authorized to carry out in Chile any activities that are reserved by Chilean law
to locally licensed banks.
Bank of America Corporation does not have banking affiliates, branches or bank
representative offices in any other jurisdiction in Latin America.
Securities, strategic advisory, and other investment banking activities are
performed globally by investment banking affiliates of Bank of America
Corporation, including, in the United States, Merrill Lynch, Pierce, Fenner &
Smith Incorporated and Merrill Lynch Professional Clearing Corp., which are
registered broker-dealers and members of FINRA and SIPC, and in other
jurisdictions, by locally registered entities.
Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.
© 2019 Bank of America Corporation.
* General Disclaimer
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* Disclaimer for Canada
* Disclaimer for India
* Disclaimer for Brazil
* Disclaimer for Latin America
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"signed" and delivered for all purposes by Client. Any record of such
transaction or confirmation (including, without limitation, electronic records)
shall be deemed to be "in writing." Client further agrees that it shall not
contest the legally binding nature, validity or enforceability of any
transaction, document or confirmation based on the fact that it has been
executed by "clicking" on the designated spaces and expressly waives any and all
rights it may have to assert such claim.
Bank of America hereby grants to Client a worldwide, non-exclusive,
non-sublicensable, non-transferable, non-assignable, personal right and license
to access and use the Sites solely for Client's internal use in accordance with
the terms of this Agreement. Client accepts the right and license granted herein
to access and use the Sites solely in accordance with this Agreement and any
rules or restrictions or procedures published by Bank of America on the Sites
from time to time. Client acknowledges and agrees that the Sites, and all
intellectual property and proprietary rights therein and thereto, anywhere
worldwide, including such rights in copyrights, trademarks, service marks, trade
dress, patents, patent applications and trade secrets and other proprietary
and/or confidential information (collectively, "IP"), are the valuable property
of Bank of America and/or its affiliates and licensors. Other than the license
granted hereunder, Client obtains no rights to the Sites. Client may not access
or use the Sites in any way that may infringe any IP right of Bank of America or
its Affiliates or licensors. Client promptly shall notify Bank of America of any
actual or threatened infringement or misappropriation of IP, or any portion
thereof, of which it becomes aware. Client acknowledges and agrees that it will
not use, or allow the use of the Sites in contravention of, and will comply
with, any applicable laws, rules, regulations or interpretations (collectively,
"Applicable Law").
Client agrees that it will not, and will not authorize or permit any person
("Authorized Person") under its control, under any circumstance to:
* sell, lease, transfer, recirculate, republish, redistribute, make available
or otherwise provide access to the Sites, or any portion thereof or data
thereon, to any person other than its Authorized Persons, including through
oral, written, or electronic means whether as a demonstration or otherwise;
* photocopy, download or otherwise reproduce in any medium any portion of the
Sites, except that Client may download into Client's internal computer
system, or print a hard copy of, content on the Sites, in whole or in part,
provided that, in each case, all copyright and other proprietary notices are
retained and complied with; or
* alter, decompile or reverse engineer any software component of the Sites.
All cost and expense of equipment, operating platforms, and software necessary
to access and use the Sites, and the maintenance thereof shall be the sole
responsibility of Client.
No provision of these Terms and Conditions shall restrict Client from taking any
action required by any Applicable Law, any self-regulatory organization or any
governmental entity to which it is subject. Prior to taking any such action,
Client shall, to the extent reasonably practicable given the then-current
circumstances, notify Bank of America in writing thereof and consult with Bank
of America regarding the steps to be taken to ensure compliance with Applicable
Law.
CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY
ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND
WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE
WITH APPLICABLE LAW.
Client agrees to provide Bank of America with all information, cooperation and
assistance, documents and data as shall reasonably be requested by Bank of
America in order to enable Bank of America to comply with any and all Applicable
Law. Client understands and agrees that Bank of America may report such
information to regulatory authorities to the extent necessary, in its reasonable
discretion, to comply with Applicable Law.
SECURITY
Bank of America shall assign to each Authorized Person a unique User ID ("User
ID") and a corresponding password and/or other access codes (each, an "Access
Code") to enable Authorized Persons to access and use such functions within the
Sites as Client shall authorize. Client shall (i) maintain, (ii) take
appropriate steps to ensure that its officers and employees maintain, and (iii)
inform all Authorized Persons of Client's obligation to maintain, the
confidentiality of User IDs and Access Codes and the security of the Sites.
Client shall not permit any person other than an Authorized Person to access or
use the Sites on its behalf or to use any User ID or Access Code and shall
educate and familiarize those Authorized Persons who access and/or use the Sites
with Client's obligations under this Agreement. Client acknowledges and agrees
that Client and/or its Authorized Persons may access the Sites through the World
Wide Web or other Internet service which is not necessarily secure, and Bank of
America does not warrant that such system is secure. Client agrees to be bound
by all communications (and the consequences thereof) placed on, executed through
or facilitated by the Sites that are accompanied by a valid User ID and a valid
Access Code assigned to Client or an Authorized Person. Upon becoming aware of,
or if Client suspects, a technical failure or any improper access to or use of
the Sites or Access Codes by any Authorized Person or other person, Client shall
promptly notify Bank of America of such occurrence, and shall, as promptly as
practicable, to the extent any improper access or use is by an Authorized
Person, take immediate actions to terminate such Authorized Person's access to
and use of the Sites. Bank of America reserves the right to limit or terminate
Client's or any Authorized Person's access to and use of the Sites immediately
and without notice.
NO OFFERS
Unless specifically identified as an offer to sell or a solicitation of any
offer to buy, under no circumstances should any information on the Sites be used
as or considered to be an offer to sell or a solicitation of any offer to buy
the securities or any other instruments of Bank of America or any other issuer.
Offers can only be made where lawful under applicable law. Any information,
services, or securities offered via the Sites are intended to be available only
to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland,
Japan, Italy, Korea, the Netherlands, Singapore, the United States and the
United Kingdom. The viewing or distribution of the Sites may be restricted by
law in certain jurisdictions. Persons using the Sites are required to inform
themselves about and observe any legal restrictions on the use of the Sites and
any restrictions set forth in the Sites. The Sites do not constitute an offer
of, or a solicitation to purchase any securities in any jurisdiction in which
such offer or invitation would be unlawful. If you wish to obtain further
details about any information contained through the Sites, there are several
areas on the Sites that will provide you with contact information.
DISCLOSURE OF INTEREST
Affiliates of Bank of America may make a market or deal as principal in the
securities mentioned in these Sites or in options based thereon. In addition,
Bank of America or its Affiliates, their shareholders, directors, officers
and/or employees, may from time to time have long or short positions in such
securities or in options, futures or other derivative instruments based thereon.
One or more directors, officers and/or employees of Bank of America or its
Affiliates may be a director of the issuer of the securities mentioned at these
Sites. Bank of America or its Affiliates may have managed or co-managed a public
offering of, or acted as initial purchaser or placement agent for a private
placement of, any of the securities of any issuer mentioned on the Sites, or may
from time to time perform consulting, advisory, lease, loan solicitation,
investment banking or other services for, or solicit investment banking or other
business from, mentioned companies.
ACCOUNT INFORMATION
Certain information from Client's account(s) at Bank of America or its
Affiliates is accessible on the Sites and can be downloaded by Client ("Account
Information"). While Bank of America and its Affiliates believe that this
Account Information will be accurate at the time of access and/or downloading by
Client, this information may have certain technical flaws, typographical errors
or other inaccuracies. Additionally, the Account Information is subject to
immediate change resulting from market conditions, price fluctuations and other
related factors. Bank of America and its Affiliates expressly disclaim any
responsibility or liability for the accuracy or use of such Account Information
upon its being downloaded by Client and will not be liable for any difficulty,
damage or inaccessibility of such information due to hardware or software
incompatibility.
PRICING AND MARKET INFORMATION
Actual prices can be obtained only on a real-time, expressly agreed-upon basis.
Any indicative valuations on the Sites are provided for information only. They
are not an offer to enter into, transfer and assign or terminate any
transaction, or a commitment by Bank of America or its Affiliates to make such
an offer. An indicative valuation may differ substantially from an actual value.
Such estimates do not necessarily reflect Bank of America's or its Affiliates'
internal bookkeeping or theoretical model-based valuations. Certain factors,
which may not have been assessed for purposes of these valuations, including,
for example, notional amounts, credit spreads, underlying volatility, costs of
carry or use of capital and profit, may substantially affect a stated valuation.
Indicative valuations may vary significantly from indicative valuations
available from other sources. While Bank of America and its Affiliates have
obtained the information on which these evaluations are based from sources they
believe are reliable, Bank of America and its Affiliates make no representations
or warranties with respect to any indicative valuations. Prior to the execution
of a Transaction based upon the Content of these Sites, Client is advised to
consult with its broker or other financial representative to verify pricing
information.
HYPOTHETICAL OR PAST PERFORMANCE
Hypothetical or simulated performance results have inherent limitations. Unlike
an actual performance record, simulated results do not represent actual trading.
Also, since the trades have not actually been executed, the results may have
under or over-compensated for the impact, if any, of certain market factors,
such as lack of liquidity. Simulated trading programs in general are designed
with the benefit of hindsight. Past performance is not indicative of future
results; no representation is being made that any account will or is likely to
achieve profits or losses similar to those shown.
MATERIAL IN ITS ENTIRETY
All materials at these Sites are meant to be reviewed in their entirety,
including any footnotes, legal disclaimers, restrictions or disclosures, or any
copyright or proprietary notices. Any disclaimers, restrictions, disclosure or
hedge clauses apply to any partial document or material in the same manner as
they do to the whole, and will be deemed incorporated in the portion of any
material or document that you consult or download.
LINKED SITES
Certain hyperlinks on the Sites may link websites maintained by the Affiliates,
which are not to be considered a part of the Sites. Certain other links on the
Sites to non-affiliated third-party sites may contain information over which we
have no control. We take no responsibility for the content, accuracy, content,
completeness, timeliness, current value or any aspect of the information on
these sites and disclaim any liability to Client for it or for any consequence
of your decision to use the links provided or your use of such information.
Links to non-Bank of America sites do not imply any endorsement of or
responsibility for the opinions, ideas, products, information or services
offered at such sites, or any representation regarding the content at such
sites. We also disclaim all liability and make no representations or warranties
for any products or services sold or provided to Bank of America or its
Affiliates by any third party. Your purchase of products or services through one
of those other sites is subject to agreements and/or the terms and conditions in
effect between Client and the providers of products and services at those other
sites. Client agrees that it shall not bring a suit or claim against Bank of
America or its Affiliates arising from or based on your purchase or use of
products or services through those other sites. Links do not imply that Bank of
America, its Affiliates or the Sites sponsors, endorses, is affiliated or
associated with, or is legally authorized to use any trademark, trade name, logo
or copyright symbol displayed in or accessible through the links, or that any
linked sites is authorized to use any trademark, trade name, logo or copyright
symbol of Bank of America or its Affiliates.
CONTENT AND SERVICE AVAILABILITY
Bank of America or its Affiliates may make changes to the Sites and reserves the
right to do so without prior notice to you. Client acknowledges that not all
products and services listed or discussed in the Sites are available in all
geographic areas. Your eligibility for particular products and services is
subject to final determination and acceptance by Bank of America or its
Affiliates.
CONSENT TO ELECTRONIC DELIVERY
You agree to receive certain documents and information provided by Bank of
America and its Affiliates through the Sites and/or through email provided to
you via the Sites. This delivery will generally consist of certain Content on
the Sites, and certain other documents relating to Bank of America and its
Affiliate's business. This electronic provision and delivery will be regarded by
you as appropriate delivery pursuant to any delivery requirements under the
various statutes and rules, where applicable, of the Securities and Exchange
Commission, the National Association of Securities Dealers and any state or
other jurisdiction. You acknowledge that you have the appropriate technological
equipment to use the Sites and to receive email via the Internet and understand
that your use of the Internet may incur certain operational costs such as
monthly fees for a service provider. You agree to notify Bank of America or the
applicable Affiliate in the event that you no longer desire to receive content
through this delivery procedure and will allow a reasonable amount of time to
permit proper delivery to you through other means.
NO WARRANTY
Client acknowledges that any information provided through the Sites is not
intended to be a recommendation, offer or solicitation of any particular
products or services. In addition, all research, analysis and similar market
information from non-affiliated third parties provided represent the views and
opinions solely of the author or the indicated source. Bank of America and its
Affiliates do not independently verify the accuracy or completeness of such
information, nor does Bank of America and its Affiliates endorse any particular
views expressed therein. Except for offering memoranda, Bank of America and its
Affiliates disclaim any liability to Client for this information or for any
consequence of your decision to use it. Client agrees that it shall
independently confirm any such information presented through the Sites before
relying on such information. Bank of America, its Affiliates and their
respective employees, contractors, agents and various contributors to the Sites
have no duty to correct or update any inaccurate or out-of-date information on
the Sites.
Client acknowledges that it is acting for its own account, and it has made its
own independent decisions to enter into a Transaction and as to whether a
Transaction is appropriate or proper for it based upon its own judgment and upon
advice from such advisors as it has deemed necessary. Client is not relying on
any communication (written or oral) of Bank of America or its Affiliates as
investment advice or as a recommendation to enter into a Transaction; it being
understood that information and explanations related to the terms and conditions
of a Transaction shall not be considered investment advice or a recommendation
to enter into that Transaction. Further, Client has not received from Bank of
America or its Affiliates any assurance or guarantee as to the expected results
of a Transaction.
COMPLIANCE WITH LAWS AND INDEMNITY
The Sites may be used only for lawful purposes. Client's conduct may be subject
to local, state, national and international laws. Client agrees that it and any
of its Authorized Persons shall comply with this Agreement, applicable laws,
rules, regulations, ordinances and other similar national and international
requirements of the country, state and province in which you are accessing and
using the Sites.
Client agrees to abide by applicable export control laws and not to transfer, by
electronic transmission or otherwise, any content on the Sites subject to
restrictions under such laws to a national destination prohibited under such
laws, without first obtaining, and then complying with, any requisites
government authorization. Client further agrees not to upload to the Sites any
data or software that cannot be exported without prior written government
authorization, including, but not limited to, certain encryption software. This
assurance and commitment shall survive termination of these Terms and
Conditions. Offices, residents and operations of your organization in Cuba,
Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are
the subject of sanctions by the United States Office of Foreign Asset Control or
other general U.S. embargo restrictions are not permitted to access and use the
Sites, and any such access and use is a violation of these Terms and Conditions.
Upon request by Bank of America or its Affiliates, you agree to defend,
indemnify and hold harmless Bank of America, its Affiliates, their officers,
directors, employees, agents, contractors or other suppliers from all
liabilities, claims and expenses, including attorneys fees, that arise from a
breach of these Terms and Conditions for which you are responsible, or from
third-party claims arising from your use of the Sites. Bank of America and its
Affiliates reserve the right to assume the exclusive defense and control of any
matter otherwise subject to indemnification by you. Notwithstanding the
foregoing, you are not required to indemnify Bank of America or its Affiliates
for its own violations of applicable laws.
* FOR RESIDENTS OF BRAZIL:
The information contained here does not constitute a public offering or
distribution of securities in Brazil and no registration or filing with
respect to any securities or financial products available on the Sites has
been made with Commisao de Valores Mobiliarios.
* FOR RESIDENTS OF CANADA:
The information contained here does not constitute a public offering or
distribution of securities in Canada or any of its provinces. No registration
or filing with respect to any securities or financial products available on
the Sites has been made with any regulatory agency thereof.
* FOR RESIDENTS OF FRANCE:
The Sites do not constitute a solicitation to enter into a transaction
involving financial instruments, is not being distributed in the context of a
public offer in France within the meaning of Article L. 411-1 of the Monetary
and Financial Code, and has thus not been submitted to the COB for prior
approval and clearance procedure. Any offers, sales or distribution of
financial instruments through the Sites shall only be made in France to
qualified investors (investisseurs qualifies) as defined in and in accordance
with Article L. 411-2 of the Monetary and Financial Code and d?cret no.
98-880 dated 1st October, 1998. The contents of the Sites may not be
redistributed or reproduced (in whole or in part) by any User. The Sites are
made available with the understanding that Users will make investment
decisions for their own account with the conditions set out in d?cret no.
98-880 dated 1st October, 1998. By using the Sites, Users undertake not to
transfer, directly or indirectly, any financial instrument acquired through
the Sites to the public in France, other than in compliance with applicable
laws and regulation. Services hereunder may be provided by Banc of America
Securities, Limited, as agent or otherwise.
* FOR RESIDENTS OF GERMANY:
The Sites are made available only to professional investors as such term is
defined in the Securities Sales Prospectus Act.
* FOR RESIDENTS OF HONG KONG:
Access to the Sites is by invitation only to institutional investors. No
information or material contained in the Sites is or should be construed as
amounting to an offer to enter into any transaction or investment whatsoever.
The information on these Sites is provided by the Hong Kong branch of Bank of
America, N.A., and is compiled from information prepared by subsidiaries and
affiliates of Bank of America Corporation. Your agreement for the use of this
Site is with the Hong Kong branch of Bank of America, N.A.
* FOR RESIDENTS OF IRELAND:
Access to the Sites is by invitation only to professional investors.
* FOR RESIDENTS OF ITALY:
Access to the Sites is by invitation only to professional investors as
defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.
* FOR RESIDENTS OF JAPAN:
Access to the Sites is by invitation only to financial institutions as
defined under the Law Concerning Foreign Securities Firms.
* FOR RESIDENTS OF KOREA:
Access to the Sites is by invitation only to professional investors with a
valid password. The information contained here does not constitute a public
offering or distribution of securities in Korea.
* FOR RESIDENTS OF NETHERLANDS:
Access to the Sites is by invitation only to professional market parties as
defined in the Dutch Securities Transactions Supervision Act 1995. Securities
or other instruments on these Sites are only offered to professional market
parties.
* FOR RESIDENTS OF SINGAPORE:
Access to the Sites is by invitation only to institutional investors. The
information contained here does not constitute a public offering or
distribution of securities in Singapore. The information in these Sites is
provided by Bank of America Singapore Limited and is compiled from
information prepared by subsidiaries and affiliates of Bank of America
Corporation. Your agreement for the use of these Sites is with Bank of
America Singapore Limited.
LIMITATION OF LIABILITY
THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO
VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE
THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS,
EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR
GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES
REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF
MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR
A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT
BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN
CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN
PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America's
PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND
CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE
SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of
America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF
INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR
FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR
OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER
PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America's
CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES,
AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR
ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF
ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
Because some states or jurisdictions do not allow the exclusion or limitation of
liability for certain damages, in such states or jurisdictions, the liability of
the Bank of America, its officers, directors, employees, agents, contractors or
other suppliers shall be limited in accordance with this agreement to the extent
permitted by law.
Neither Bank of America, its Affiliates nor any of their officers, directors,
employees, agents, contractors or other suppliers shall be liable in any way,
and you agree to indemnify and hold harmless Bank of America, its Affiliates and
such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any
information on the Sites, or (b) the transmission or delivery of any information
on the Sites; (2) any loss or damage arising from or occasioned by (a) any such
inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of
use of the Sites due either to any negligent act or omission by Bank of America,
its Affiliates, their officers, directors, employees, agents, contractors or
other suppliers or to any "force majeure" (i.e., flood, extraordinary weather
conditions, earthquake, or other act of God, fire, war, insurrection, riot,
labor dispute, accident, action of government, communications, power failure, or
equipment or software malfunction) or any other cause beyond the control of the
Bank of America, its Affiliates, their officers, directors, employees, agents,
contractors or other suppliers. You understand that Bank of America accepts no
responsibility for security of information on the Internet.
UK CONDITIONS
Banc of America Securities Limited has approved the Sites for the purpose of
Section 57 of the Financial Services Act of 1986. Banc of America Securities
Limited is regulated for the conduct of investment business in the United
Kingdom by the Securities and Futures Authority Limited. No access to the Sites
shall be given in the United Kingdom to Private Customers, as that term is
defined under the rules of The Securities and Futures Authority Limited; and any
investments will not be made by us to any Private Customer.
CHANGES TO AGREEMENT
Bank of America may make changes to this Agreement at any time, without prior
notice to you. Your continued use of the Sites indicates your continued
agreement to be bound by this Agreement, as changed from time to time. You
should view these Terms and Conditions often to stay informed of changes that
may affect you.
GOVERNING LAW
This Agreement shall be governed by and construed under the law of the State of
New York and the Federal law of the United States. You hereby consent and submit
to jurisdiction in the Federal or state courts of the State of New York, U.S.A.
You hereby irrevocably waive your rights to a jury trial.
THIRD-PARTY LICENSORS
The Sites may, from time to time, provide Client with various licensed programs
("Licensed Programs") from third-party vendors ("Vendors") which have been
licensed by Bank of America for Client use and/or which require Client to sign a
third-party license agreement ("License Agreement"). In using the Licensed
Programs, Client agrees that it will
* protect any confidential information of Bank of America, its Affiliates or
Vendors contained in the Licensed Programs;
* restrict the use of the Licensed Programs by Client solely to conditions
agreed upon in the Agreement and the License Agreement;
* restrict the copying of Licensed Programs to that number reasonably required
for Client use and backup purposes
* include Bank of America and Vendor copyright and all other proprietary
notices in the use of all Licensed Programs;
* prohibit the sale, relicensing, leasing, rental, lending and transferring of
Licensed Programs;
* prohibit, and take reasonable measures to prevent, the decompiling,
disassembly, reverse engineering or modification of Licensed Programs;
* comply with all export laws in respect of Licensed programs;
* disclaim any liability on the part of Vendors for damages, liabilities, costs
or expenses incurred by Client in the use of License Programs; and
* make all vendors a third-party beneficiary of all Client waivers,
disclaimers, limitation of liabilities, confidentiality and IP provisions
contained in the Agreement.
MERRILL LYNCH, PIERCE, FENNER & SMITH | FURTHER INFORMATION
"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets businesses of Bank of America Corporation. Lending, derivatives
and other commercial banking activities are performed globally by banking
affiliates of Bank of America Corporation, including Bank of America, N.A.,
member FDIC. Securities, strategic advisory, and other investment banking
activities are performed globally by investment banking affiliates of Bank of
America Corporation ("Investment Banking Affiliates"), including, in the United
States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp., both of which are registered as broker-dealers and
members of FINRA and SIPC, and, in other jurisdictions, by locally registered
entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp are registered as futures commission merchants with
the CFTC and are members of the NFA. Investment products offered by Investment
Banking Affiliates: Are Not FDIC Insured | May Lose Value | Are Not Bank
Guaranteed.
© 2019 Bank of America Corporation
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industry publications or directly from Bank of America Corporation. We believe
they are setting the standard for exemplary client service.
ROBERT D O'BRIEN
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YOU PLAY AN IMPORTANT ROLE IN MAKING A POSITIVE DIFFERENCE FOR YOUR INSTITUTION
Bank of America Global Institutional Consulting understands your commitment and
is here to help. Watch our video to learn more.
Watch Our Video
SOLUTIONS FOR INSTITUTIONS
* Retirement Benefit Plans
* Plan Sponsors
* Employees
* Global Institutional Consulting
* Investment Solutions
* Endowments, Foundations and Nonprofits
* Defined Benefit Plans
* Additional Capabilities
SUPPORTING A STRONG RETIREMENT PLAN AND HELPING TO KEEP IT ON TRACK
The retirement and financial needs of your employees, as well as the
responsibility those needs create for you as an employer, are important to you.
We offer the solutions your employees may need to help pursue their financial
goals and maintain financial wellness. Our array of resources and experience is
designed to help meet your employees’ financial needs in ways that make sense
for your company — strategically, operationally and financially. You and your
employees will have a team of experienced and passionate advocates for financial
wellness on your side. Our team will make your priorities their own so you can
focus more on your business.
FOR PLAN SPONSORS
Your role as a plan sponsor is more challenging than ever, and it’s not
something to face alone. We bring the resources and thought leadership from Bank
of America Corporation and its affiliates to bear in helping you provide a
strong, healthy and fully compliant program that runs smoothly, engages your
employees and makes your job easier. We can help you focus on the areas that may
be helpful to plan success, including Fiduciary Advisory Services 1 and
Education and Plan Services 2 appropriate for your plan.
FIDUCIARY ADVISORY SERVICES1
Through Fiduciary Advisory Services, we can help you design and maintain an
investment menu.
* Investment Policy Statement (IPS)3
* Comprehensive due diligence processes to identify appropriate investments
* Proactive delivery – online and by your designated advisor – of investment
performance reporting every quarter
* Report providing fund analysis and market trends.
1 Fiduciary Advisory Services is an investment advisory program sponsored by
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”). Merrill offers a broad range of brokerage, investment advisory
and other services. There are important differences between brokerage and
investment advisory services, including the type of advice and assistance
provided, the fees charged, and the rights and obligations of the parties. It is
important to understand the differences, particularly when determining which
service or services to select. Please refer to the Fiduciary Advisory Services
Brochure for information on the program including a description of the series
and related fees.
2 Education and Plan Services are non-fiduciary services required for Advisor
Alliance clients and optional for MLII clients.
3 IPS service is not available for FAS Discretionary. The plan sponsor is
responsible for the approval and final adoption of the IPS.
HELPING INSTITUTIONS MEET THEIR INVESTMENT NEEDS
We put the resources and intellectual capital of Merrill to work for
institutional clients like you by delivering thoughtful advice and sophisticated
investment strategies through focused client-centric consulting. We help
organizations like yours address today’s complex investment challenges through
an integrated, goals-based investment process that enables them to redefine
success, manage risk and help fulfill their missions.
INVESTMENT SOLUTIONS
We provide access to a broad suite of potential investment solutions for
non-profit organizations, foundations, endowments and corporate retirement and
pension plans. Our level of involvement is based on your preference — from
traditional consulting, to client-directed implementation, to full discretionary
outsourced CIO services. We work with your CFO, board of directors and
investment committee to develop a tailored investment strategy that is
consistent with your culture, goals, preferences and risk profile.
DISCIPLINED INVESTMENT PROCESS
We follow a disciplined process that helps to address your organization’s
changing needs and provides you with a potentially higher probability of
achieving your long-term investment goals.
1
INVESTMENT POLICY STATEMENT DEVELOPMENT AND REVIEW
Act as liaison between institutional clients and Merrill's Investment Policy
Statement (IPS) service, which creates and modifies an IPS, based on the
client’s investment goals and objectives.
2
STRATEGIC ALLOCATION MODELING
Customizable asset allocation based on the Chief Investment Office capital
market assumptions.
3
INVESTMENT MANAGER DUE DILIGENCE
Recommend investment solutions leveraging Merrill's thorough and rigorous due
diligence process.
4
INVESTMENT MANAGER SEARCH AND SELECTION
Advanced portfolio construction techniques combined with client specific
objectives and Merrill's capital market guidance.
5
PORTFOLIO STRATEGY
Leverage Merrill's global intellectual capital including tactical tilts to
potentially help increase returns.
6
PERFORMANCE MEASUREMENT
Review, quantify and evaluate performance to identify opportunities to refine
the portfolio’s overall strategy, based on the Investment Policy Statement.
ENDOWMENTS, FOUNDATIONS AND NONPROFITS
We understand the issues nonprofits, endowments and foundations address in
funding their missions in an ever-changing financial climate. Drawing on the
global resources of Bank of America Corporation and its affiliates, we offer
insight, guidance and personalized service to help institutions develop and
execute investment strategies focused on what matters most to them and the
people they serve.
Impact investing and/or Environmental Social Governance (ESG) investing has
certain risks based on the fact that ESG criteria excludes securities of certain
issuers for nonfinancial reasons and therefore, investors may forgo some market
opportunities and the universe of investments available will be smaller.
DEFINED BENEFIT PLANS
Whether your defined benefit plan is an active part of your overall benefit
offering, is closed to new participants, or fully frozen, Bank of America's
service model allows you to outsource the many administrative tasks associated
with the maintenance of a pension plan to fulfill plan obligations and manage
risk.
Key services include:
• Investment consulting service
• Open architecture investment management platform
• Liability driven investment implementation
• Actuarial services and discretionary investment management
AND MORE
Beyond our experience, we offer access to the deep intellectual capital and
broad capabilities of Bank of America Corporation and its affiliates. If we
identify a need we can’t service ourselves, we can connect you with the people
and resources to help you. Through our network of advisors, we strive to deliver
strategies to help you manage the day-to-day and long-term responsibilities
required in pursuing your institution’s goals. As we work together to address
your evolving needs, we can help make the broad capabilities of Bank of America
Corporation feel more accessible.
* Global Institutional Consulting
* Additional Capabilities
WE’RE COMMITTED TO A HIGH STANDARD
Putting clients’ interests first isn’t new, and this isn’t a one-time event. Our
clients have been at the center of everything we do since Charles Merrill
founded Merrill over a hundred years ago.
Read More
SOLUTIONS FOR INDIVIDUALS
* Philosophy
* Staying on Track
* Financial Strategy
* Approach
* Investment Personality
* Your Goals
* Capabilities
Philosophy
active
PHILOSOPHY
We believe the best financial approach is the one that helps you pursue your
goals. That's why, from the start, we talk about your aspirations and encourage
you to ask questions about issues that matter most to you. Calculating how to
manage future health care expenses? College on the horizon? Considering the sale
of a business or purchase of a home? Preparing to pass your wealth to future
generations? It all starts with a plan intended to help you manage, grow, and
preserve your wealth today, while also considering the impact it can have for
years to come. With access to the investment insights of Merrill and banking
solutions from Bank of America, we will work with you to develop an
approach designed to help address your financial needs.
StayingonTrack
Philosophy
STAYING ON TRACK
We understand that both your life and the financial markets can change over
time. By checking in to discuss changes in your life and revisiting your
financial approach, our goal is to help you stay on track to achieve what’s most
important to you.
REVIEWS TO HELP YOU STAY ON TRACK
We’ll meet with you to review your goals and the progress you’ve made toward
reaching them. We’ll also discuss any adjustments needed to your financial
approach to help you stay on course.
CHANGES IN YOUR LIFE AND TO YOUR GOALS
Your life and goals change. As these changes occur, we can update your approach
to reflect them.
* Investment Personality Assessment (IPA)
* Goal Explorer
WEALTH MANAGEMENT YOUR WAY
MyMerrill is your online destination for access to your financial information,
secure communications, and a robust offering of tools and capabilities.
Your advisor is a click away within our site or mobile apps
You can manage account security with our customizable security capabilities such
as touch ID, one time passcode, and other security features
Access to your complete financial life is available with My Financial Picture,
Merrill’s asset aggregation tool
FinancialStrategy
Philosophy
YOUR FINANCIAL APPROACH
We offer you access to the investing insights of Merrill, trust and fiduciary
services from Bank of America Private Bank, and the banking convenience of Bank
of America to help you pursue your goals. We will work to help you stay on
track, regardless of what the markets are doing.
FAMILY
TAKING CARE OF YOUR FAMILY AND OTHER PEOPLE IN YOUR LIFE
* Trust & Estate Services4
* Education Funding1
* Insurance3
HEALTH
PLANNING FOR HEALTHCARE EXPENSES NOW AND IN THE FUTURE
* Long-term Care Insurance3
* Health Savings Account2
* Disability Insurance3
HOME
UPSIZING, DOWNSIZING, REMODELING OR BUYING A VACATION HOME
* Home Loans2
* Home Equity Lines of Credit2
* Securities-Based Lending2
* Credit Cards2
WORK
WORKING IN RETIREMENT, SELLING OR STARTING A BUSINESS
* Bank of America Business Banking2
* Exchange Funds1
* Concentrated Stock Management1
* Succession Planning1
LEISURE
SPENDING YOUR FREE TIME IN MEANINGFUL WAYS
* Credit Cards2
* Securities-Based Lending2
* Structured Lending2
GIVING
VOLUNTEERING, MENTORING OTHERS AND GIVING TO CHARITIES
* Donor-Advised Funds4
* Private Foundations4
* Charitable Trusts4
FINANCE
USING YOUR FINANCES TO BRING IT ALL TOGETHER
* Merrill Investment Accounts1
* Investment Advisory Accounts1
* Alternative Investments1
* Exchange-Traded Funds1
* Mutual Funds1
* Closed-end Funds1
* Fixed Income Products1
* Options1
* Annuities3
* Impact Portfolios1
* Market-Linked Investments1
* Securities-Based Lending2
* Margin1
* Home Loans2
* Bank of America Checking and Savings Accounts2
* Credit Cards2
* Online Account Access1,2
¹ Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith
Incorporated.
² Banking, mortgage and home equity products offered by Bank of America, N.A.
³ Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
Approach
APPROACH
Every relationship begins with a conversation, helping you identify and
prioritize which goals matter most to you. Whether it's transferring wealth to
the next generation, customizing your financial approach to help you pursue your
passions, or providing advice and guidance to help you stay informed, we start
by listening to learn more about you and your family.
SubSection1
Approach
YOUR APPROACH TO INVESTING
Drawing upon research in the field of behavioral finance, Merrill developed the
Investment Personality Assessment to help us get to know you better as an
investor and potentially help you refine your own investing preferences. By
gaining a deeper understanding of how you think and feel about investing through
this assessment, we can customize the financial approach we develop together to
help you pursue what matters most to you. Our Investment Personality
Assessment is one of the ways to help us get to know you - to understand your
goals and priorities. These questions will help us provide you with additional
insights and resources.
SubSection2
Approach
UNDERSTANDING YOUR GOALS AND PRIORITIES
Your life and goals change. We have tools to help you keep track of these
changes so they can be reflected in your financial approach.
Capabilities
CAPABILITIES
Merrill’s process is designed to help deliver a customized, comprehensive
experience to assist you not only in wealth accumulation and preservation, but
in areas that go beyond investments. Providing you with access to the investment
insights of Merrill, trust and fiduciary services from Bank of America Private
Bank, and the banking and lending solutions of Bank of America offers a way to
help you manage all of the pieces of your financial life. Working one-on-one
with a Merrill advisor means you have a single point of contact to help you with
potential strategies for transferring wealth to the younger generation.
FocusOn
* Philosophy
* Approach
* Capabilities
THOUGHT LEADERSHIP
WORKPLACE BENEFITS WEBSITE – OUR INSIGHTS
LET’S HAVE A CONVERSATION
There is no substitute for a one-on-one relationship with a Merrill financial
advisor committed to your needs.
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* Legal Information
* Bank of America Home
* Merrill Home
* BrokerCheck
* Your Privacy Choices
Merrill Lynch Defined Contribution Investment Consulting (DCIC) is an investment
advisory program sponsored by Merrill Lynch. Merrill Lynch offers a broad range
of brokerage, investment advisory and other services. There are important
differences between brokerage and investment advisory services, including the
type of advice and assistance provided, the fees charged, and the rights and
obligations of the parties. It is important to understand the differences,
particularly when determining which service or services to select. All
recommendations must be based on the suitability requirements of the client.
Please refer to the Merrill Lynch DCIC Brochure for information on the program
including a description of the services and related fees.
"Bank of America" is a marketing name used by several Bank of America
Corporation (“BofA Corp.”) businesses, including, but not limited to, Global
Institutional Consulting, which offers products and services for the benefit
of institutional and ultra-high net worth clients.
Global Institutional Consulting is part of the Global Wealth & Investment
Management business of BofA Corp. Global Institutional Consultants mentioned
herein are registered representatives with Merrill Lynch, Pierce, Fenner & Smith
Incorporated (also referred to as MLPF&S“ or “Merrill”) and may assist you with
investment products and services. The nature and degree of advice and assistance
provided, the fees charged, and clients’ rights and Merrill’s obligations will
differ depending upon the products and services actually provided.
Banking activities may be performed by wholly owned banking affiliates of BofA
Corp., including Bank of America, N.A., Member FDIC. Brokerage and investment
advisory services are provided by wholly owned non-bank affiliates of BofA
Corp., including Merrill Lynch,Pierce, Fenner & Smith Incorporated (also
referred to as “MLPF&S” or “Merrill”), a dually registered broker-dealer and
investment adviser and Member SIPC.
This material is not intended as a recommendation, offer or solicitation for the
purchase or sale of any security or investment strategy. Merrill offers a broad
range of brokerage, investment advisory (including financial planning) and other
services. Additional information is available in our Client Relationship
Summary.
Investment products offered through MLPF&S and insurance and annuity products
offered through MLLA:
* Are Not FDIC Insured
* Are Not Bank Guaranteed
* May Lose Value
© 2024 Bank of America Corporation. All rights reserved.
Patent: patents.bankofamerica.com
THE OCH GROUP
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ADDITIONAL RESOURCES
ADDITIONAL RESOURCES
The OCH Group is supported by talented specialists who have experience working
with institutions and share a strong commitment to guiding investment programs
and strategic decision making.
MISSION
MISSION
mission is simple: to help institutional investors pursue their goals through
insightful investment guidance and thoughtful management of their financial
assets.
APPROACH
APPROACH
We can offer boutique-like attentiveness and accessibility combined with the
global perspective and industry experience of Bank of America Global
Institutional Consulting. Our team is passionate about helping clients
strengthen and grow their organization, and helping institutions fulfill their
goals and missions. When you work with The OCH Group, you can expect a high
level of commitment, teamwork, personalized service and customized strategies.
OUR FOCUS
INSTITUTIONAL CONSULTING
As a Bank of America Global Institutional Consultant, The OCH Group is among a
select group of highly qualified and credentialed consultants who can provide
the in-depth knowledge and customized service and assistance institutional
investors need to navigate today’s financial landscape and be responsive to
evolving market trends.
RETIREMENT BENEFITS CONSULTANT
As Bank of America Retirement Benefits Consultants (RBC), The OCH Group is one
of a select group of highly qualified and credentialed Merrill advisors
specialized in defined contribution plans who can add value to your plan by:
* Offering access to 3(21) fiduciary services1
* Helping you shape your investment strategies
* Offering thoughtful advice without a proprietary investment requirement
* Providing periodic reporting and helping you understand results and
measurements to assist you in managing your plan over time
* Working with you to create a plan that is designed to drive employee
engagement and positive participant behavior
* Assisting in the delivery of employee financial wellness programs and
education
* Educating employees on connecting their life priorities with their finances
to help them pursue what matters most to them
1Fiduciary Advisory Services is an investment advisory program sponsored by
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly
owned subsidiary of BofA Corp. MLPF&S. MLPF&S offers a broad range of brokerage,
investment advisory and other services. There are important differences between
brokerage and investment advisory services, including the type of advice and
assistance provided, the fees charged, and the rights and obligations of the
parties. It is important to understand the differences, particularly when
determining which service or services to select. Please refer to the Fiduciary
Advisory Services Brochure for information on the program including a
description of the series and related fees.
RETIREMENT ACCREDITED FINANCIAL ADVISOR
As a Bank of America Retirement Accredited Financial Advisor[s] (RAFA), The OCH
Group one of a select group of Merrill advisors specialized in defined
contribution plans who can add value to your plan by:
* Offering access to 3(21) fiduciary services1
* Helping you shape your investment strategies
* Offering thoughtful advice without a proprietary investment requirement
* Providing periodic reporting and helping you understand results and
measurements to assist you in managing your plan over time
* Working with you to create a plan that is designed to drive employee
engagement and positive participant behavior
* Assisting in the delivery of employee financial wellness programs and
education
* Educating employees on connecting their life priorities with their finances
to help them pursue what matters most to them
1 Fiduciary Advisory Services is an investment advisory program sponsored by
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly
owned subsidiary of BofA Corp. MLPF&S. MLPF&S offers a broad range of brokerage,
investment advisory and other services. There are important differences between
brokerage and investment advisory services, including the type of advice and
assistance provided, the fees charged, and the rights and obligations of the
parties. It is important to understand the differences, particularly when
determining which service or services to select. Please refer to the Fiduciary
Advisory Services Brochure for information on the program including a
description of the series and related fees.
RETIREMENT BENEFIT PLANS
SUPPORTING A STRONG RETIREMENT PLAN AND HELPING TO KEEP IT ON TRACK
The retirement and financial needs of your employees, as well as the
responsibility those needs create for you as an employer, are important to you.
We offer the solutions your employees may need to help pursue their financial
goals and maintain financial wellness. Our array of resources and experience is
designed to help meet your employees’ financial needs in ways that make sense
for your company — strategically, operationally and financially. You and your
employees will have a team of experienced and passionate advocates for financial
wellness on your side. Our team will make your priorities their own so you can
focus more on your business.
* Plan Sponsors
* Employees
PLAN SPONSORS
FOR PLAN SPONSORS
Your role as a plan sponsor is more challenging than ever, and it’s not
something to face alone. We bring the resources and thought leadership from Bank
of America Corporation and its affiliates to bear in helping you provide a
strong, healthy and fully compliant program that runs smoothly, engages your
employees and makes your job easier. We can help you focus on the areas that may
be helpful to plan success, including Fiduciary Advisory Services 1 and
Education and Plan Services 2 appropriate for your plan.
FIDUCIARY ADVISORY SERVICES1
Through Fiduciary Advisory Services, we can help you design and maintain an
investment menu.
* Investment Policy Statement (IPS)3
* Comprehensive due diligence processes to identify appropriate investments
* Proactive delivery – online and by your designated advisor – of investment
performance reporting every quarter
* Report providing fund analysis and market trends.
1 Fiduciary Advisory Services is an investment advisory program sponsored by
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”). Merrill offers a broad range of brokerage, investment advisory
and other services. There are important differences between brokerage and
investment advisory services, including the type of advice and assistance
provided, the fees charged, and the rights and obligations of the parties. It is
important to understand the differences, particularly when determining which
service or services to select. Please refer to the Fiduciary Advisory Services
Brochure for information on the program including a description of the series
and related fees.
2 Education and Plan Services are non-fiduciary services required for Advisor
Alliance clients and optional for MLII clients.
3 IPS service is not available for FAS Discretionary. The plan sponsor is
responsible for the approval and final adoption of the IPS.
EMPLOYEES
PLAN SPONSORS
FOR PLAN SPONSORS
Your role as a plan sponsor is more challenging than ever, and it’s not
something to face alone. We bring the resources and thought leadership from Bank
of America Corporation and its affiliates to bear in helping you provide a
strong, healthy and fully compliant program that runs smoothly, engages your
employees and makes your job easier. We can help you focus on the areas that may
be helpful to plan success, including Fiduciary Advisory Services 1 and
Education and Plan Services 2 appropriate for your plan.
FIDUCIARY ADVISORY SERVICES1
Through Fiduciary Advisory Services, we can help you design and maintain an
investment menu.
* Investment Policy Statement (IPS)3
* Comprehensive due diligence processes to identify appropriate investments
* Proactive delivery – online and by your designated advisor – of investment
performance reporting every quarter
* Report providing fund analysis and market trends.
1 Fiduciary Advisory Services is an investment advisory program sponsored by
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”). Merrill offers a broad range of brokerage, investment advisory
and other services. There are important differences between brokerage and
investment advisory services, including the type of advice and assistance
provided, the fees charged, and the rights and obligations of the parties. It is
important to understand the differences, particularly when determining which
service or services to select. Please refer to the Fiduciary Advisory Services
Brochure for information on the program including a description of the series
and related fees.
2 Education and Plan Services are non-fiduciary services required for Advisor
Alliance clients and optional for MLII clients.
3 IPS service is not available for FAS Discretionary. The plan sponsor is
responsible for the approval and final adoption of the IPS.
EMPLOYEES
GLOBAL INSTITUTIONAL CONSULTING
HELPING INSTITUTIONS MEET THEIR INVESTMENT NEEDS
We put the resources and intellectual capital of Merrill to work for
institutional clients like you by delivering thoughtful advice and sophisticated
investment strategies through focused client-centric consulting. We help
organizations like yours address today’s complex investment challenges through
an integrated, goals-based investment process that enables them to redefine
success, manage risk and help fulfill their missions.
* Investment Solutions
* Endowments, Foundations and Nonprofits
* Defined Benefit Plans
INVESTMENT SOLUTIONS
INVESTMENT SOLUTIONS
We provide access to a broad suite of potential investment solutions for
non-profit organizations, foundations, endowments and corporate retirement and
pension plans. Our level of involvement is based on your preference — from
traditional consulting, to client-directed implementation, to full discretionary
outsourced CIO services. We work with your CFO, board of directors and
investment committee to develop a tailored investment strategy that is
consistent with your culture, goals, preferences and risk profile.
DISCIPLINED INVESTMENT PROCESS
We follow a disciplined process that helps to address your organization’s
changing needs and provides you with a potentially higher probability of
achieving your long-term investment goals.
1
INVESTMENT POLICY STATEMENT DEVELOPMENT AND REVIEW
Act as liaison between institutional clients and Merrill's Investment Policy
Statement (IPS) service, which creates and modifies an IPS, based on the
client’s investment goals and objectives.
2
STRATEGIC ALLOCATION MODELING
Customizable asset allocation based on the Chief Investment Office capital
market assumptions.
3
INVESTMENT MANAGER DUE DILIGENCE
Recommend investment solutions leveraging Merrill's thorough and rigorous due
diligence process.
4
INVESTMENT MANAGER SEARCH AND SELECTION
Advanced portfolio construction techniques combined with client specific
objectives and Merrill's capital market guidance.
5
PORTFOLIO STRATEGY
Leverage Merrill's global intellectual capital including tactical tilts to
potentially help increase returns.
6
PERFORMANCE MEASUREMENT
Review, quantify and evaluate performance to identify opportunities to refine
the portfolio’s overall strategy, based on the Investment Policy Statement.
ENDOWMENTS, FOUNDATIONS AND NONPROFITS
ENDOWMENTS, FOUNDATIONS AND NONPROFITS
We understand the issues nonprofits, endowments and foundations address in
funding their missions in an ever-changing financial climate. Drawing on the
global resources of Bank of America Corporation and its affiliates, we offer
insight, guidance and personalized service to help institutions develop and
execute investment strategies focused on what matters most to them and the
people they serve.
Impact investing and/or Environmental Social Governance (ESG) investing has
certain risks based on the fact that ESG criteria excludes securities of certain
issuers for nonfinancial reasons and therefore, investors may forgo some market
opportunities and the universe of investments available will be smaller.
DEFINED BENEFIT PLANS
DEFINED BENEFIT PLANS
Whether your defined benefit plan is an active part of your overall benefit
offering, is closed to new participants, or fully frozen, Bank of America's
service model allows you to outsource the many administrative tasks associated
with the maintenance of a pension plan to fulfill plan obligations and manage
risk.
Key services include:
• Investment consulting service
• Open architecture investment management platform
• Liability driven investment implementation
• Actuarial services and discretionary investment management
INVESTMENT SOLUTIONS
INVESTMENT SOLUTIONS
We provide access to a broad suite of potential investment solutions for
non-profit organizations, foundations, endowments and corporate retirement and
pension plans. Our level of involvement is based on your preference — from
traditional consulting, to client-directed implementation, to full discretionary
outsourced CIO services. We work with your CFO, board of directors and
investment committee to develop a tailored investment strategy that is
consistent with your culture, goals, preferences and risk profile.
DISCIPLINED INVESTMENT PROCESS
We follow a disciplined process that helps to address your organization’s
changing needs and provides you with a potentially higher probability of
achieving your long-term investment goals.
1
INVESTMENT POLICY STATEMENT DEVELOPMENT AND REVIEW
Act as liaison between institutional clients and Merrill's Investment Policy
Statement (IPS) service, which creates and modifies an IPS, based on the
client’s investment goals and objectives.
2
STRATEGIC ALLOCATION MODELING
Customizable asset allocation based on the Chief Investment Office capital
market assumptions.
3
INVESTMENT MANAGER DUE DILIGENCE
Recommend investment solutions leveraging Merrill's thorough and rigorous due
diligence process.
4
INVESTMENT MANAGER SEARCH AND SELECTION
Advanced portfolio construction techniques combined with client specific
objectives and Merrill's capital market guidance.
5
PORTFOLIO STRATEGY
Leverage Merrill's global intellectual capital including tactical tilts to
potentially help increase returns.
6
PERFORMANCE MEASUREMENT
Review, quantify and evaluate performance to identify opportunities to refine
the portfolio’s overall strategy, based on the Investment Policy Statement.
ENDOWMENTS, FOUNDATIONS AND NONPROFITS
ENDOWMENTS, FOUNDATIONS AND NONPROFITS
We understand the issues nonprofits, endowments and foundations address in
funding their missions in an ever-changing financial climate. Drawing on the
global resources of Bank of America Corporation and its affiliates, we offer
insight, guidance and personalized service to help institutions develop and
execute investment strategies focused on what matters most to them and the
people they serve.
Impact investing and/or Environmental Social Governance (ESG) investing has
certain risks based on the fact that ESG criteria excludes securities of certain
issuers for nonfinancial reasons and therefore, investors may forgo some market
opportunities and the universe of investments available will be smaller.
DEFINED BENEFIT PLANS
DEFINED BENEFIT PLANS
Whether your defined benefit plan is an active part of your overall benefit
offering, is closed to new participants, or fully frozen, Bank of America's
service model allows you to outsource the many administrative tasks associated
with the maintenance of a pension plan to fulfill plan obligations and manage
risk.
Key services include:
• Investment consulting service
• Open architecture investment management platform
• Liability driven investment implementation
• Actuarial services and discretionary investment management
ADDITIONAL CAPABILITIES
AND MORE
Beyond our experience, we offer access to the deep intellectual capital and
broad capabilities of Bank of America Corporation and its affiliates. If we
identify a need we can’t service ourselves, we can connect you with the people
and resources to help you. Through our network of advisors, we strive to deliver
strategies to help you manage the day-to-day and long-term responsibilities
required in pursuing your institution’s goals. As we work together to address
your evolving needs, we can help make the broad capabilities of Bank of America
Corporation feel more accessible.
PHILOSOPHY
Philosophy
active
PHILOSOPHY
We believe the best financial approach is the one that helps you pursue your
goals. That's why, from the start, we talk about your aspirations and encourage
you to ask questions about issues that matter most to you. Calculating how to
manage future health care expenses? College on the horizon? Considering the sale
of a business or purchase of a home? Preparing to pass your wealth to future
generations? It all starts with a plan intended to help you manage, grow, and
preserve your wealth today, while also considering the impact it can have for
years to come. With access to the investment insights of Merrill and banking
solutions from Bank of America, we will work with you to develop an
approach designed to help address your financial needs.
* Staying on Track
* Financial Strategy
STAYING ON TRACK
StayingonTrack
Philosophy
STAYING ON TRACK
We understand that both your life and the financial markets can change over
time. By checking in to discuss changes in your life and revisiting your
financial approach, our goal is to help you stay on track to achieve what’s most
important to you.
REVIEWS TO HELP YOU STAY ON TRACK
We’ll meet with you to review your goals and the progress you’ve made toward
reaching them. We’ll also discuss any adjustments needed to your financial
approach to help you stay on course.
CHANGES IN YOUR LIFE AND TO YOUR GOALS
Your life and goals change. As these changes occur, we can update your approach
to reflect them.
* Investment Personality Assessment (IPA)
* Goal Explorer
WEALTH MANAGEMENT YOUR WAY
MyMerrill is your online destination for access to your financial information,
secure communications, and a robust offering of tools and capabilities.
Your advisor is a click away within our site or mobile apps
You can manage account security with our customizable security capabilities such
as touch ID, one time passcode, and other security features
Access to your complete financial life is available with My Financial Picture,
Merrill’s asset aggregation tool
FINANCIAL STRATEGY
FinancialStrategy
Philosophy
YOUR FINANCIAL APPROACH
We offer you access to the investing insights of Merrill, trust and fiduciary
services from Bank of America Private Bank, and the banking convenience of Bank
of America to help you pursue your goals. We will work to help you stay on
track, regardless of what the markets are doing.
FAMILY
TAKING CARE OF YOUR FAMILY AND OTHER PEOPLE IN YOUR LIFE
* Trust & Estate Services4
* Education Funding1
* Insurance3
HEALTH
PLANNING FOR HEALTHCARE EXPENSES NOW AND IN THE FUTURE
* Long-term Care Insurance3
* Health Savings Account2
* Disability Insurance3
HOME
UPSIZING, DOWNSIZING, REMODELING OR BUYING A VACATION HOME
* Home Loans2
* Home Equity Lines of Credit2
* Securities-Based Lending2
* Credit Cards2
WORK
WORKING IN RETIREMENT, SELLING OR STARTING A BUSINESS
* Bank of America Business Banking2
* Exchange Funds1
* Concentrated Stock Management1
* Succession Planning1
LEISURE
SPENDING YOUR FREE TIME IN MEANINGFUL WAYS
* Credit Cards2
* Securities-Based Lending2
* Structured Lending2
GIVING
VOLUNTEERING, MENTORING OTHERS AND GIVING TO CHARITIES
* Donor-Advised Funds4
* Private Foundations4
* Charitable Trusts4
FINANCE
USING YOUR FINANCES TO BRING IT ALL TOGETHER
* Merrill Investment Accounts1
* Investment Advisory Accounts1
* Alternative Investments1
* Exchange-Traded Funds1
* Mutual Funds1
* Closed-end Funds1
* Fixed Income Products1
* Options1
* Annuities3
* Impact Portfolios1
* Market-Linked Investments1
* Securities-Based Lending2
* Margin1
* Home Loans2
* Bank of America Checking and Savings Accounts2
* Credit Cards2
* Online Account Access1,2
¹ Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith
Incorporated.
² Banking, mortgage and home equity products offered by Bank of America, N.A.
³ Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
STAYING ON TRACK
StayingonTrack
Philosophy
STAYING ON TRACK
We understand that both your life and the financial markets can change over
time. By checking in to discuss changes in your life and revisiting your
financial approach, our goal is to help you stay on track to achieve what’s most
important to you.
REVIEWS TO HELP YOU STAY ON TRACK
We’ll meet with you to review your goals and the progress you’ve made toward
reaching them. We’ll also discuss any adjustments needed to your financial
approach to help you stay on course.
CHANGES IN YOUR LIFE AND TO YOUR GOALS
Your life and goals change. As these changes occur, we can update your approach
to reflect them.
* Investment Personality Assessment (IPA)
* Goal Explorer
WEALTH MANAGEMENT YOUR WAY
MyMerrill is your online destination for access to your financial information,
secure communications, and a robust offering of tools and capabilities.
Your advisor is a click away within our site or mobile apps
You can manage account security with our customizable security capabilities such
as touch ID, one time passcode, and other security features
Access to your complete financial life is available with My Financial Picture,
Merrill’s asset aggregation tool
FINANCIAL STRATEGY
FinancialStrategy
Philosophy
YOUR FINANCIAL APPROACH
We offer you access to the investing insights of Merrill, trust and fiduciary
services from Bank of America Private Bank, and the banking convenience of Bank
of America to help you pursue your goals. We will work to help you stay on
track, regardless of what the markets are doing.
FAMILY
TAKING CARE OF YOUR FAMILY AND OTHER PEOPLE IN YOUR LIFE
* Trust & Estate Services4
* Education Funding1
* Insurance3
HEALTH
PLANNING FOR HEALTHCARE EXPENSES NOW AND IN THE FUTURE
* Long-term Care Insurance3
* Health Savings Account2
* Disability Insurance3
HOME
UPSIZING, DOWNSIZING, REMODELING OR BUYING A VACATION HOME
* Home Loans2
* Home Equity Lines of Credit2
* Securities-Based Lending2
* Credit Cards2
WORK
WORKING IN RETIREMENT, SELLING OR STARTING A BUSINESS
* Bank of America Business Banking2
* Exchange Funds1
* Concentrated Stock Management1
* Succession Planning1
LEISURE
SPENDING YOUR FREE TIME IN MEANINGFUL WAYS
* Credit Cards2
* Securities-Based Lending2
* Structured Lending2
GIVING
VOLUNTEERING, MENTORING OTHERS AND GIVING TO CHARITIES
* Donor-Advised Funds4
* Private Foundations4
* Charitable Trusts4
FINANCE
USING YOUR FINANCES TO BRING IT ALL TOGETHER
* Merrill Investment Accounts1
* Investment Advisory Accounts1
* Alternative Investments1
* Exchange-Traded Funds1
* Mutual Funds1
* Closed-end Funds1
* Fixed Income Products1
* Options1
* Annuities3
* Impact Portfolios1
* Market-Linked Investments1
* Securities-Based Lending2
* Margin1
* Home Loans2
* Bank of America Checking and Savings Accounts2
* Credit Cards2
* Online Account Access1,2
¹ Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith
Incorporated.
² Banking, mortgage and home equity products offered by Bank of America, N.A.
³ Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
APPROACH
Approach
APPROACH
Every relationship begins with a conversation, helping you identify and
prioritize which goals matter most to you. Whether it's transferring wealth to
the next generation, customizing your financial approach to help you pursue your
passions, or providing advice and guidance to help you stay informed, we start
by listening to learn more about you and your family.
* Investment Personality
* Your Goals
INVESTMENT PERSONALITY
SubSection1
Approach
YOUR APPROACH TO INVESTING
Drawing upon research in the field of behavioral finance, Merrill developed the
Investment Personality Assessment to help us get to know you better as an
investor and potentially help you refine your own investing preferences. By
gaining a deeper understanding of how you think and feel about investing through
this assessment, we can customize the financial approach we develop together to
help you pursue what matters most to you. Our Investment Personality
Assessment is one of the ways to help us get to know you - to understand your
goals and priorities. These questions will help us provide you with additional
insights and resources.
YOUR GOALS
SubSection2
Approach
UNDERSTANDING YOUR GOALS AND PRIORITIES
Your life and goals change. We have tools to help you keep track of these
changes so they can be reflected in your financial approach.
INVESTMENT PERSONALITY
SubSection1
Approach
YOUR APPROACH TO INVESTING
Drawing upon research in the field of behavioral finance, Merrill developed the
Investment Personality Assessment to help us get to know you better as an
investor and potentially help you refine your own investing preferences. By
gaining a deeper understanding of how you think and feel about investing through
this assessment, we can customize the financial approach we develop together to
help you pursue what matters most to you. Our Investment Personality
Assessment is one of the ways to help us get to know you - to understand your
goals and priorities. These questions will help us provide you with additional
insights and resources.
YOUR GOALS
SubSection2
Approach
UNDERSTANDING YOUR GOALS AND PRIORITIES
Your life and goals change. We have tools to help you keep track of these
changes so they can be reflected in your financial approach.
CAPABILITIES
Capabilities
CAPABILITIES
Merrill’s process is designed to help deliver a customized, comprehensive
experience to assist you not only in wealth accumulation and preservation, but
in areas that go beyond investments. Providing you with access to the investment
insights of Merrill, trust and fiduciary services from Bank of America Private
Bank, and the banking and lending solutions of Bank of America offers a way to
help you manage all of the pieces of your financial life. Working one-on-one
with a Merrill advisor means you have a single point of contact to help you with
potential strategies for transferring wealth to the younger generation.
* YOUR PRIVACY CHOICES
* OPT-OUT PREFERENCE SIGNALS
YOUR PRIVACY CHOICES
This feature allows you to manage your privacy choices. By selecting a category,
you can learn about your choices and make changes. Selections you make will
update your default settings. Where possible, we will provide you with a single
privacy profile and store settings across our brands. Occasionally there are
legal or technical limitations, where you have multiple user names or accounts,
that may prevent this from occurring. You should check your settings for
accuracy based on your relationship with us.
Local Privacy Notices and Requirements
The Privacy Choices displayed are specific to your local privacy requirements
and our privacy notices. For more information about how we protect your privacy,
including specific rights that may apply, please visit the Institutional Privacy
and the Consumer Privacy pages.
Marketing Preferences
To manage your general marketing preferences, please visit the “Control how we
can share your data and market to you” form on our Privacy Page.
California Residents
To learn more about your privacy rights as a California resident, please see our
California Consumer Privacy Act Notice. To exercise your CCPA consumer rights,
please visit our CA Personal Information Request form.
OPT-OUT PREFERENCE SIGNALS
Opt-Out Preference Signals
An “opt-out preference signal,” such as the Global Privacy Control, is a signal
sent by your browser, device, or other platform that communicates your choice
for sharing personal information. Bank of America honors any opt-out preference
signal that meets legal requirements as a valid request to opt out of sharing
personal information for cross-context behavioral advertising.
If we receive an opt-out preference signal from your device, we will honor it
and update your settings. At any time, you may manually adjust the toggle to
update your preferences.
• A toggle to the left indicates that you have opted-out and prefer to prohibit
our sharing of your personal information
• A toggle to the right indicates your preference to opt-in and allow us to
share your personal information
• Any manual adjustment or updated opt-out preference signal will override
previous settings
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