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Submitted URL: http://fa.ml.com/patrick-bowen
Effective URL: https://fa.ml.com/texas/dallas/patrick-bowen/
Submission: On April 01 via manual from DE — Scanned from DE
Effective URL: https://fa.ml.com/texas/dallas/patrick-bowen/
Submission: On April 01 via manual from DE — Scanned from DE
Form analysis 7 forms found in the DOM
<form id="requestAppointment" class="contactModalForms">
<div>
<span class="modalFormErrorMsg">
</span>
</div>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="patrick.bowen@ml.com">
<input type="hidden" name="InquiryXsltId" value="24">
<input type="hidden" name="ECOwnerId" value="48585">
<input type="hidden" name="ECInquiryType" value="Request Appointment">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECArgumentList" value="">
<div class="form">
<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">
</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">
</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">
</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">
</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">
</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">
<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 id="days">
<legend>What day(s) of the week are most convenient for you?</legend>
<div class="checkbox" data-toggle="buttons">
<label tabindex="0" class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="checkboxmonday"><input type="checkbox" name="day" value="Monday" id="day1" aria-required="true" aria-label="Monday"> MON </label>
<label tabindex="0" class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="checkboxtuesday"><input type="checkbox" name="day" value="Tuesday" id="day2" aria-required="true" aria-label="Tuesday"> TUE </label>
<label tabindex="0" class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="checkboxwednesday"><input type="checkbox" name="day" value="Wednesday" id="day3" aria-required="true" aria-label="Wednesday"> WED </label>
<label tabindex="0" class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="checkboxthursday"><input type="checkbox" name="day" value="Thursday" id="day4" aria-required="true" aria-label="Thursday"> THU </label>
<label tabindex="0" class="btn btn-primary ML-tealium-interstitial_item-tag friday" data-bactmln="checkboxfriday"><input type="checkbox" name="day" value="Friday" id="day5" aria-required="true" aria-label="Friday"> FRI </label>
</div>
</fieldset>
</div>
<div class="time">
<fieldset id="time">
<legend>What time of day do you prefer?</legend>
<div class="checkbox" data-toggle="buttons">
<label tabindex="0" class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="checkboxmorning">
<input type="checkbox" name="time" value="8am-12PM" id="time1" aria-label="Morning 8AM to 12PM"> Morning <span class="sub">8AM - 12PM</span>
</label>
<label tabindex="0" class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="checkboxafternoon">
<input type="checkbox" name="time" value="12pm-5pm" id="time2" aria-label="Afternoon 12PM to 5PM"> Afternoon <span class="sub">12PM - 5PM</span>
</label>
<label tabindex="0" class="btn btn-primary anytime ML-tealium-interstitial_item-tag" data-bactmln="checkboxanytime"><input type="checkbox" name="time" value="Anytime" id="time3" 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">Send</button>
<button data-dismiss="modal" data-toggle="modal" data-target="#thank-you" style="display:none;">Send</button>
</div>
<input type="hidden" name="EntitySiteUrl" class="SiteUrl" value="http://fa.ml.com/patrick-bowen">
</form><form id="contactUsForm" class="contactModalForms">
<span class="modalFormErrorMsg" style="display: none;"></span>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="patrick.bowen@ml.com"><input type="hidden" name="FormEmailTest" class="InquiryTo" value="fromWM">
<input type="hidden" name="InquiryXsltId" value="25">
<input type="hidden" name="ECOwnerId" value="48585">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECInquiryType" value="Contact">
<input type="hidden" name="ECArgumentList" value="">
<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="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">
<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'}">Send</button>
</div>
<input type="hidden" name="EntitySiteUrl" class="SiteUrl" value="http://fa.ml.com/patrick-bowen">
</form><form id="contactMeForm" class="contactModalForms">
<div>
<span class="modalFormErrorMsg" style="display: none;"></span>
</div>
<input type="hidden" name="InquiryTo" value="">
<input type="hidden" name="InquiryXsltId" value="25">
<input type="hidden" name="ECOwnerId" value="48585">
<input type="hidden" name="ECInquiryType" value="Contact">
<input type="hidden" name="ECInquirySource" value="TeamWebsite">
<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">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()">
<i class="icon-close"></i>
</button>
<h4 class="modal-title">Send your friends 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" 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="" aria-label=""></textarea>
<div id="g-recaptcha" isvalide="false">
<div style="width: 304px; height: 78px;">
<div><iframe title="reCAPTCHA"
src="https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LdVZBkUAAAAAI7SHo6CgXeWKOi__BX4tHuuj8Tc&co=aHR0cHM6Ly9mYS5tbC5jb206NDQz&hl=de&v=2uoiJ4hP3NUoP9v_eBNfU6CR&theme=light&size=normal&cb=l245h8efjavg"
width="304" height="78" role="presentation" name="a-wcwp1iycbvp2" frameborder="0" scrolling="no"
sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-top-navigation allow-modals allow-popups-to-escape-sandbox"></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 style="display: none;"></iframe>
</div><br>
<script src="https://www.google.com/recaptcha/api.js?onload=onloadCallback&render=explicit" async="" defer=""></script>
</div>
<input type="hidden" id="EmailReferalMessageMER" name="ReferalMsg" value="">
<input type="hidden" id="CaptchaCheckedValue" name="CaptchaCheckedValue" value="">
<input type="hidden" name="InquiryXsltId" value="26">
<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 friend Form'}">Send</button>
</div>
<span>We will send a one-time email. Your friends will not be contacted or approached.</span>
</div>
</form><form id="newsletterForm" class="contactModalForms">
<div>
<span class="modalFormErrorMsg"></span>
</div>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="patrick.bowen@ml.com">
<input type="hidden" name="InquiryXsltId" value="25">
<input type="hidden" name="ECOwnerId" value="48585">
<input type="hidden" name="ECInquiryType" value="Subscribe">
<input type="hidden" name="ECInquirySource" value="Website">
<input type="hidden" name="ECArgumentList" value="">
<div class="form">
<input type="text" name="firstName" class="firstName" placeholder="First Name" aria-label="First Name">
<input type="text" name="lastName" class="lastName" placeholder="Last Name" aria-label="Last Name">
<input type="text" name="emailAddress" class="emailAddress" placeholder="Your Email" aria-label="Your Email">
<input type="text" name="phoneNumber" class="phoneNumber" placeholder="Your Phone Number" aria-label="Your Phone Number">
</div>
<div class="radio">
<span>Are you a current Merrill client?</span>
<ul>
<li>
<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"><label for="CurrentClient_Yes"></label></div> Yes
</li>
<li>
<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"><label for="CurrentClient_No"></label></div> No
</li>
</ul>
</div>
<div class="check">
<span>What type of content interests you most?</span>
<ul>
<li>
<div class="blue-checkbox"><input type="checkbox" name="interests_General" id="interests_General" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_generalfinancial"> <label for="interests_General"></label> </div> General
financial
</li>
<li>
<div class="blue-checkbox"><input type="checkbox" name="interests_Retirement" id="interests_Retirement" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_retirement"> <label for="interests_Retirement"></label> </div> Retirement
</li>
<li>
<div class="blue-checkbox"><input type="checkbox" name="interests_Business" id="interests_Business" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_businessowners"> <label for="interests_Business"></label> </div> Business owners
</li>
</ul>
</div>
<div class="send">
<button class="modalPrimaryBtn ML-tealium-interstitial_eNewsletter-signup-tag" data-bactmln="newslettersignupsend" type="submit" form="newsletterForm" data-target="#thank-you">Sign Up</button>
</div>
</form><form id="appointmentRequestForm" class="contactModalForms">
<div>
<span class="modalFormErrorMsg"></span>
</div>
<input type="hidden" name="InquiryTo_1" class="InquiryTo" value="patrick.bowen@ml.com">
<input type="hidden" name="InquiryXsltId" value="24">
<input type="hidden" name="ECOwnerId" value="48585">
<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/patrick-bowen">
<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">
</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">
</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">
</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">
</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">
<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">
<span>What day(s) of the week are most convenient for you?</span>
<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>
</div>
<div class="time">
<span>What time of day do you prefer?</span>
<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>
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PATRICK D BOWEN
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2100 Ross Ave
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* 214.969.2394
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* Staying on Track
* Articles
* Why Merrill
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PATRICK D BOWEN, CIMA®
Assistant Vice President
Financial Advisor
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* 214.969.2394
* 2100 Ross Ave
Suite 1000/1100
Dallas, TX 752012100 Ross Ave Suite 1000/1100 Dallas, TX 75201
2100 Ross Ave
Suite 1000/1100
Dallas, TX 75201
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MERRILL LYNCH
WEALTH MANAGEMENT
We provide customized services supported by the broad capabilities of a global
institution. Working with a limited number of clients, we are able to offer you
and your family personalized attention for all aspects of your financial life,
now and for future family members.
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* Staying on Track
* Articles
* Why Merrill
* Contact Me
* Profile
* Understanding your Life
* Financial Approach
* Staying on Track
* Articles
* Why Merrill
* Contact Me
PROFILE
Patrick serves as a Financial Advisor in the downtown Dallas office. He focuses
on delivering the wealth management platform to a broad range of clients
including corporate executives and founders of privately held companies and
their families. Patrick assists by seeking to understand each client's financial
objectives through an in-depth discovery process, management of concentrated
positions, and building a strategy to help attain financial goals.
Prior to Dallas, Patrick worked on the Private Executive Services (PES) team in
Merrill's Private Wealth Management Group in New York City and still partners
with them today. He has spent his entire professional career at the Firm,
joining in 2008 after interning in 2007.
A graduate of the University of Arkansas, Patrick earned a bachelor’s degree
from the J. William Fulbright College of Arts and Sciences. He also holds the
Certified Investment Management Analyst® (CIMA®) designation, administered by
the Investments & Wealth Institute™ (The Institute) and taught in conjunction
with The Wharton School of Business.
Patrick resides in the Kessler Park neighborhood in Dallas with his wife Meghan
of Burnet, TX, daughter Hattie, and son JP. Originally from Kansas City, MO his
outside interests include travel, trying new restaurants, playing and watching
sports, reading, and spending time with family.
I follow the deep-seated Merrill tradition of participating in the communities
we serve. This drives my interest in spending time volunteering with
organizations in our community.
* EDUCATION
University of Arkansas
CREATE A PLAN THAT IS ALL ABOUT YOU.
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ADDITIONAL RESOURCES
The following specialists do not make securities recommendations. Please contact
your Merrill Lynch Wealth Management Advisor if you have questions about how a
specialist might be able to assist you.
DIANNE WALTER
Wealth Strategist
Merrill
OMAR ZOUBI
Wealth Management Lending Officer
Bank of America, N.A.
NMLS #620973
WHERE DO WE BEGIN? IT STARTS WITH YOU.
At Merrill Lynch Wealth Management, your financial advisor focuses on the things
you care about most- family, goals and priorities - even as they change over the
years.
UNDERSTANDING YOUR LIFE
* Welcome
WELCOME
My mission is to understand you and what matters most to you. To take the
time, to ask hard, smart questions and to listen carefully, then to
understand, in great detail, exactly where your wealth stands today, and
where you’d like it to be tomorrow. I help you design and implement a
customized wealth management approach that helps you and your family pursue
your personal financial goals while helping manage investment risk. My wealth
management approach is about using wealth to help turn goals into reality.
* Philosophy
Philosophy
* Approach
* Investment Personality
* Your Goals
Approach
* Capabilities
Capabilities
* Focus On Individuals and Families
Focus On Individuals and Families
WELCOME
My mission is to understand you and what matters most to you. To take the time,
to ask hard, smart questions and to listen carefully, then to understand, in
great detail, exactly where your wealth stands today, and where you’d like it to
be tomorrow. I help you design and implement a customized wealth management
approach that helps you and your family pursue your personal financial goals
while helping manage investment risk. My wealth management approach is about
using wealth to help turn goals into reality.
OUR PHILOSOPHY
We believe your unique goals should be at the center of all of your financial
decisions and form the foundation of your financial strategy. Because
significant wealth requires customized goals-based financial strategies, we
believe in building lasting relationships with a limited number of clients,
taking the time to understand your most important priorities for today, tomorrow
and your long-term future. Our philosophy celebrates collaboration. Working with
a team of specialists, we draw on the resources and insights of a global
financial institution to create strategies that reflect your aspirations for
yourself and current and future generations of your family. Finally, we believe
that while significant wealth brings complex challenges, our experience, passion
and perspectives can help you simplify your life.
APPROACH
I begin every relationship 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, I start by
listening to learn more about you and your family.
Drawing upon research in the field of behavioral finance, Merrill developed the
Investment Personality Assessment to help me get to know you better as an
investor and help you refine your investing preferences. Together, I can help
customize your investment approach. Using an understanding of your priorities
and investment personality as a foundation, I help you access the full breadth
of resources from Bank of America’s banking products and services and Merrill’s
investment insights to address all aspects of your financial life.
CAPABILITIES
My process is designed to help deliver a customized, consistent experience to
assist clients not only in wealth accumulation and preservation, but in areas
that go beyond investments. My ability to provide access to the investment
insights of Merrill, trust and fiduciary services from Bank of America Private
Bank, and the banking convenience and lending solutions of Bank of America
offers a way to help clients manage all of the pieces of their financial lives.
I view myself as a financial resource, helping clients with potential solutions
for transferring wealth to the younger generation.
Trust and fiduciary services are provided by Bank of America Private Bank, a
division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of
Bank of America Corporation (“BofA Corp.”).
FOCUS ON INDIVIDUALS, FAMILIES AND SMALL BUSINESSES
I believe that financial success can be achieved when you’re able to make
investment-related decisions and trade-offs that can help you reach personally
meaningful goals. So whether you’re planning your retirement, saving to buy a
home or fund a child’s education, I start by getting to know you and how you
feel about the following seven life priorities.
* Health: Managing healthcare expenses, now and in the future
* Home: Upsizing, downsizing, remodeling or buying a vacation home
* Family: Taking care of your family and other people in your life
* Leisure: Spending your free time in meaningful ways
* Giving: Volunteering, mentoring others and giving to charities
* Work: Working in retirement, selling or starting a business
* Finance: Bringing it all together and defining your financial goals
This material should be regarded as general or educational information on
healthcare or Social Security considerations and is not intended to provide
specific healthcare or social security advice. If you have questions regarding
your particular situation, please contact your legal or tax advisor.
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.
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.
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 Planning 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
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
Transcript of Video
#DIGITALMERRILL
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
LET’S HAVE A CONVERSATION
Helping you reach your goals starts with getting to know you personally. Through
understanding what matters most to you, together I can help you create a
financial approach that reflects your personality. Only then can I offer an
approach that is built around your life priorities and the advice you need to
help you address fluctuations in the market and changes in your life. Let’s work
together to help you achieve your goals.
Request Appointment
ARTICLES
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TAXES IN RETIREMENT: WHAT YOU NEED TO KNOW
WASHINGTON UPDATE
RISK TAKERS, STRIVERS, ACHIEVERS — LEADING THE WAY TO GREATER EQUALITY
YOUR 2022 FINANCIAL CHECKLIST: 5 QUESTIONS TO ASK YOUR ADVISOR
WHY MERRILL?
As Merrill Lynch Wealth Management Advisors, we will sort through the financial
complexities of your life, helping you build a customized investment approach to
address your needs and pursue your goals.
We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a
Merrill Lynch Wealth Management Advisor.
Transcript of Video
No question too big or moment too small
For every question you have, every decision you make and every answer you need,
we are with you to listen and help guide you along the many paths your life can
take. Watch this video to see some questions we can address together.
PERSONALIZED ADVICE FROM A DEDICATED FINANCIAL ADVISOR.
We get to know you and your family, your financial situation and what matters
most to you.
A COMPREHENSIVE APPROACH, BUILT AROUND YOUR LIFE’S PRIORITIES.
Drawing from our experience and the best thinking of Merrill, together we will
design an approach that reflects your unique needs, priorities and financial
situation.
ADJUSTING YOUR INVESTMENT APPROACH AS YOUR LIFE AND THE MARKETS CHANGE.
We will work to help you stay on track, regardless of what the markets are
doing.
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Asset allocation, diversification and rebalancing do not ensure a profit or
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Merrill, its affiliates, and financial advisors do not provide legal, tax, or
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This material is not intended as a recommendation, offer or solicitation for the
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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
businesses, which are conducted by and through Merrill Lynch Argentina S.A..
This entity does not conduct any activities subject to banking license, such as
capturing deposits from the public.
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
Financiera de Colombia and authorized to promote in Colombia select products and
services that
Bank of America N.A. provides outside of Colombia. Neither Bank of America,
N.A., nor its Representative Office in Colombia, is authorized to carry out in
Colombia any activities that are reserved by Colombian law to locally licensed
banks.
Bank of America N.A., Oficina de Representacion (Peru), is a representative
office in Peru of Bank of America N.A., supervised by the Superintendencia de
Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized
to promote in Peru select products and services that Bank of America N.A.
provides outside of Peru. Neither Bank of America, N.A., nor its Representative
Office in Peru, is authorized to carry out in Peru any activities that are
reserved by Peruvian law to locally licensed banks.
Bank of America N.A., Oficina de Representacion (Chile), is a representative
office in Chile of Bank of America N.A., supervised by the Superintendencia de
Bancos e Instituciones Financieras and authorized to promote in Chile select
products and services that Bank of America N.A. provides outside of Chile.
Neither Bank of America, N.A., nor its Representative Office in Chile, is
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
* Disclaimer for Australia
* Disclaimer for Canada
* Disclaimer for India
* Disclaimer for Brazil
* Disclaimer for Latin America
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TERMS AND CONDITIONS
TERMS AND CONDITIONS FOR BANK OF AMERICA CORPORATION WEBSITES
These Terms and Conditions ("Terms and Conditions") are for the Bank of America
Corporation ("Bank of America") website and those websites of its affiliates
(collectively the "Sites") including Bank of America, N.A., Merrill Lynch,
Pierce, Fenner & Smith Incorporated, Bank of America Capital Management and
certain other affiliates enumerated herein (collectively "Affiliates") that are
available through the Bank of America Sites and apply to all services, programs,
information and products (collectively "Service") that you ("Client") may use or
otherwise access from time to time through the Sites ("Agreement").
USE OF SITES
Client agrees that any trade confirmation, account statement or other document
delivered through the Sites by "clicking" on the designated spaces in or
relating to such document shall be deemed to be "in writing" and to have been
"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
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PHILOSOPHY
OUR PHILOSOPHY
We believe your unique goals should be at the center of all of your financial
decisions and form the foundation of your financial strategy. Because
significant wealth requires customized goals-based financial strategies, we
believe in building lasting relationships with a limited number of clients,
taking the time to understand your most important priorities for today, tomorrow
and your long-term future. Our philosophy celebrates collaboration. Working with
a team of specialists, we draw on the resources and insights of a global
financial institution to create strategies that reflect your aspirations for
yourself and current and future generations of your family. Finally, we believe
that while significant wealth brings complex challenges, our experience, passion
and perspectives can help you simplify your life.
APPROACH
APPROACH
I begin every relationship 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, I start by
listening to learn more about you and your family.
Drawing upon research in the field of behavioral finance, Merrill developed the
Investment Personality Assessment to help me get to know you better as an
investor and help you refine your investing preferences. Together, I can help
customize your investment approach. Using an understanding of your priorities
and investment personality as a foundation, I help you access the full breadth
of resources from Bank of America’s banking products and services and Merrill’s
investment insights to address all aspects of your financial life.
* Investment Personality
* Your Goals
INVESTMENT PERSONALITY
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
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
My process is designed to help deliver a customized, consistent experience to
assist clients not only in wealth accumulation and preservation, but in areas
that go beyond investments. My ability to provide access to the investment
insights of Merrill, trust and fiduciary services from Bank of America Private
Bank, and the banking convenience and lending solutions of Bank of America
offers a way to help clients manage all of the pieces of their financial lives.
I view myself as a financial resource, helping clients with potential solutions
for transferring wealth to the younger generation.
Trust and fiduciary services are provided by Bank of America Private Bank, a
division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of
Bank of America Corporation (“BofA Corp.”).
FOCUS ON INDIVIDUALS AND FAMILIES
FOCUS ON INDIVIDUALS, FAMILIES AND SMALL BUSINESSES
I believe that financial success can be achieved when you’re able to make
investment-related decisions and trade-offs that can help you reach personally
meaningful goals. So whether you’re planning your retirement, saving to buy a
home or fund a child’s education, I start by getting to know you and how you
feel about the following seven life priorities.
* Health: Managing healthcare expenses, now and in the future
* Home: Upsizing, downsizing, remodeling or buying a vacation home
* Family: Taking care of your family and other people in your life
* Leisure: Spending your free time in meaningful ways
* Giving: Volunteering, mentoring others and giving to charities
* Work: Working in retirement, selling or starting a business
* Finance: Bringing it all together and defining your financial goals
This material should be regarded as general or educational information on
healthcare or Social Security considerations and is not intended to provide
specific healthcare or social security advice. If you have questions regarding
your particular situation, please contact your legal or tax advisor.