Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. �YЇιg�������y�=��� �D����A�4�^C�82�+��M��Qw�O>d:e����`�_х��w�t��q��h��k��!�!X�� �0y���W׬=ڶ���٫+��mM��fa��S{+�|�-�����7�t�m����4)fT4���'�&xU��'�Q��B+Hp����P-N�U��'ӎ��i4^�_����P��c Bank of America Merrill Lynch is a marketing name for the Retirement Services business of Bank of America Corporation (“BAC”). 264 0 obj <>/Filter/FlateDecode/ID[<5EA15065ADD6F545B395EB1EBEB0A13D>]/Index[235 120]/Info 234 0 R/Length 124/Prev 119549/Root 236 0 R/Size 355/Type/XRef/W[1 2 1]>>stream Merrill Lynch has lost a team of veterans in Delaware managing $930 million in client assets who set up as a registered investment advisor, but welcomed back a … ţ�=l'�/Ը�o�d8������sn��g���� �����,g�=;�u�c�j �����H�20�� �L@�D�4� -��x���� � e�6� h޴T�KSQv=n6M�3u��4�i�����d�)�!�����d�)$��[�no8�B1j��B~ Investment advisor registration does not imply a … We are updating the Program Brochure to reflect these changes. You’ll consider the client’s life, goals and financial picture, and then guide the client with advice and solutions to help them live their best financial lives. Enrollment in the program allows you to study a variety of 101 Hudson Street Jersey City, NJ 07302 800.637.7455 . u 72g�M=��%�Oy�)l����bz��v}�Q׼�T@ƛ �Jp�IR/�l*�i�n�;������l٭�X�͡�e�F����V�ڶ�r��L^��:�c��������C�����ȷ}�����7� �(lG���-#['��@�m�s4�?�ov8�S��2. Footnote 8 Please review the Merrill Guided Investing with Advisor Program Brochure (PDF) for … %%EOF There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the … 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”). The Investment Advisory Program fee is a combination of the fee rate for our Services, referred to as the “Merrill Lynch Fee Rate,” and, if applicable, the expense rate for the Style Manager’s services with respect to each Style Manager Strategy in an Investment Advisory Program account, referred to as the “Style Manager Expense Rate,” and is expressed as a percentage of assets, applied monthly to an Investment Advisory Program … This Brochure, as amended or updated from time to time relates to the Merrill Lynch Institutional Investment Consulting Program (the ”Program” or “IIC”) offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (referred to in this Brochure as “Merrill,” “MLPF&S,” “we,” “us,” or “our”). 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"), a dually registered broker-dealer and investment adviser and Member SIPC. You pay a customized fee subject to a maximum rate based on strategy type. How to become a Merrill financial advisor. MLPF&S is a registered broker-dealer, Member SIPC, and a wholly-owned subsidiary of BofA Corp. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. The Merrill Edge Selects Portfolios are part of the Merrill Edge Advisory Program and require participation in the program to invest. As a client who is enrolled in the Merrill Lynch Investment Advisory Program (Program), you benefit from a comprehensive investment approach that aims to meet your goals and unique needs through a range of financial strategies. This Agreement defines the investment advisory relationship between you and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), and its Affiliate, Managed Account Advisors LLC (“MAA”), in providing you with the various services available now and in the future (“Services”) through the Merrill Guided Investing program Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. h��ұ�P��ޠ�.,$X�j3KL��&1�L/� ,��0�H��X�����t���掾����f�֛i���:O�*F�� ��ҳxҟ�lo����4�_�W]�+u����u�����ץ+ֈ�k�����zs�Ϛ%��(wE�+J�+�]Q�R�rW��o�k�� "D,� 608 0 obj <>/Filter/FlateDecode/ID[<7EC2EE3EA1A25543863DE824C0F5AAE7>]/Index[572 1034]/Info 571 0 R/Length 208/Prev 759926/Root 573 0 R/Size 1606/Type/XRef/W[1 3 1]>>stream G}���~(��f� Strategic Portfolio Advisor. MLPF&S offers a broad range of brokerage, investment advisory and other services. %PDF-1.6 %���� Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. For plan sponsor use only. f������d� � ڀ���Qq@Z��&�2����8��e�� R� $�e��B��T �~�mB�A�ʁc)�U 0 �8p} 0 The Merrill Lynch Investment Advisory Program is an investment advisory service sponsored by Merrill. Set forth below is a summary of the material changes to this Brochure and enhancements made to the disclosures in the Brochure since March 23, 2020. Merrill Guided Investing is offered with and without an advisor. MLPF&S offers a broad range of brokerage, investment advisory and other services. Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . endstream endobj startxref Merrill Guided Investing Merrill Guided Investing An investment advisory program aligned to your goals that's built, monitored and rebalanced by Merrill investment professionals plus the option to work one on one with an advisor. endstream endobj startxref A Merrill financial advisor goes beyond portfolios and investment strategies. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). IAPB Merrill Lynch Investment Advisory Program Brochure| 4 Overview of the Program For your accounts enrolled in the Program (each an “Account”), we will provide you with personalized investment advice and guidance through your Advisor and a range of financial services and investment solutions described in this Brochure (“Services”). This summary of material changes is designed to make clients aware of information that has changed since the Brochure’s last annual update and that may be important to them. Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. You pay a customized fee subject to a maximum rate of 2.00%. 888.204.3287 . We will change the Merrill Lynch Personal Investment Advisory ® (PIA) program during the third quarter, 2012. %PDF-1.7 %���� Merrill Lynch Mutual Fund Advisor® program (MFA) Updates The purpose of this letter is to notify you of certain changes we are making to our Fund selection and evaluation process in MFA and to provide you with the amendments to the MFA Brochure to reflect these changes. MLPF&S offers a broad range of brokerage, investment advisory and other services. certain Style Manager Strategies and Funds in the Merrill Lynch Investment Advisory Program (Program). A summary of the amendments to the Program Brochure is described in Exhibit A, which is attached to this notice. Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. 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. 0 This program is not offered through an advisor. 572 0 obj <> endobj Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). Merrill Lynch INVESTMENT ADVISORY PROGRAM WRAP FEE PROGRAM BROCHURE Please retain for your records . Please review the applicable Merrill Guided Investing Program Brochure (PDF) at ... rebalancing, and the details of the investment advisory program. One Bryant Park New York, NY 10036 . You pay a customized fee subject to a maximum rate of 2.00%. Merrill Lynch INVESTMENT ADVISORY PROGRAM WRAP FEE PROGRAM BROCHURE Please retain for your records . Before joining Merrill Lynch, he served as an officer On March 23, 2020, MLPF&S and MAA each filed its last annual update for its Merrill Edge Advisory Account program brochure (“Brochure”). %%EOF Important Information regarding the Merrill Lynch Investment Advisory Program Effective on or about September 1, 2016, changes will be made to the initial and periodic reviews conducted for certain Style Manager Strategies and Funds in the Merrill Lynch Investment Advisory Program (Program). Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). On March 23, 2020, MLPF&S and MAA together filed their last annual update for the Merrill Lynch Investment Advisory Program brochure (“Brochure”). 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”). Depending on your needs, you can also choose investment advisory services available through an online, interactive website, either on a self-guided basis or with assistance from Financial Solutions Advisors. The CRPC Program focuses on the pre-and post-retirement needs of individuals, allowing you to transform the retirement planning process into a positive experience. Merrill Lynch Investment Advisory Program. These programs include Merrill Guided Investing with Advisor, Merrill Guided Investing and Merrill Edge Advisory Account (MEAA). h�b```c``��������A��b�,+X6�b`�9���Z���/����|������ MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. 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"), a dually registered broker-dealer and investment adviser and Member SIPC. Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New York, NY 10036 (800) 637-7455 www.ml.com This wrap fee program brochure provides information about the qualifications and business practices of Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) relating to the Merrill Lynch Strategic Portfolio Advisor Service. MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. �$���F��.�O�'t�+�B�N浂sp�0��Nm��ѓ��`9V܏�:vA3��tM5��O�\�Z�]Dƒ�2\h�X����_i.w���dX��Z&h,>�>�IJ�D���y�&��[a&Y�#l�s�^�ns�[�-{�� �SW�=.�&impt��&6�4��>)��s�� iڜ"�+��,���>�)�U�U����l��f������d0�<>)�(����M�$3�`O��zX5ŬV�QG%(c�D�gtԟE�:$R��G��L�,-��,�@G㵴r$Ӷ��F2%Qʢ� ,����HJB�F9T;i���&�1�M�������Ʀ)��,�vEˎp�������Fa�F5W�|&Xܜ������os��uNɵ�˿�r�W8v�΃�iCqe)�1��c�Ls��R�&2���#u� �n�� �.�w��*=r9y1Z!v؇W�r� Strategic Portfolio Advisor. h�̛k�Ǒ��J��#N�=�����%���v�p�q0&g��R$A�/�����=C�(�ሚ��FeF�=�6ۡ��g8��;R��N�b��d�ˡ�bo+G~�Cm���0b�����Ұs�d�1R��J�JE�d+ ֈ����l%��Jq�_�T�V*����C��X��J��Hy����tH#�n�V��}O*Vj��K���Mu�J!Q�V�� H�J��þY����]}j�\���O������է��n_���o~��{�������?�~��۷7on_�׫'oo�=���߮�~��/�>�������77�o��pu{������뷯���'�\}�����a�◇|��Ci��뫯o�����'[:�R�;��ؖ�Z��v�����_������-qm\}�׿��޾��O>z}�i�o�>�Wo�߼����b�w��|ߞ�ڟ����ӟd;�XꓶEÒ��ӏ5=[x S)�@�[��嫻t���ړ��K|� wSJO�aU.�I�!t�g��쫫?�z���o��?��������ճ�Cx���O�v{�=�����ۗ����s���쳾�}{���|���_n>2�_�~q�#�o��o�����]}��on�FЖ|~��_nn�����B����{~�b������o ۾4���W��?�����i��Z������-�����G^s���~D-B���-��~�������3���N�w�]���w�/n�}���7�������8��[CW�}s���՛���_Q����~{C��K��?��y��-��Q5�,���� �x��}�[��.�����8�C3����:�� �G(k!��FG}�UmA���� … MLPF&S offers a broad range of brokerage, investment advisory and other services. Bank of America Merrill Lynch’s Defined Contribution Investment Consulting Service is available to our full service and non-recordkept plans who meet certain eligibility criteria. You pay a customized … On March 23, 2020, MLPF&S and MAA each filed its last annual update to its Merrill Guided Investing with Advisor program brochure (“Brochure”). MLPF&S and Managed Account Advisors LLC (“MAA”) are registered investment advisers. MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. 888.204.3287 . h�bbd``b`�$�X�@��H�� �� �y ��$ث��G! If you choose a strategy managed by an investment manager, you will also pay a style manager fee. www.ml.com 354 0 obj <>stream Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. A graduate of Chaminade High School and St. Bonaventure University, Jim earned a bachelor’s degree in marketing and finance. endstream endobj 236 0 obj <>/Metadata 23 0 R/Names 265 0 R/Outlines 45 0 R/Pages 233 0 R/StructTreeRoot 70 0 R/Type/Catalog/ViewerPreferences<>>> endobj 237 0 obj <. We are updating the Program Brochure to reflect these changes. MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisers. MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. The program offers the opportunity to gain exposure to the Consumer Banking and Merrill Lynch Wealth Management organizations while working with teams and clients in one of the following assignments: -Consumer Investments (available nationwide) -Merrill Lynch Wealth Management (available nationwide) 2 The Merrill Lynch Fiduciary Advisory Services Client Agreement and the related fee schedule and the Merrill Lynch Fiduciary Advisory Services program Brochure and other disclosure documents include information about the program, including Merrill Lynch’s fiduciary responsibilities pursuant to … 101 Hudson Street Jersey City, NJ 07302 800.637.7455 . Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. Advice Access is an investment advisory program available to participant-directed defined contribution Plans that utilize Merrillfor recordkeeping services. Additional information is available in our Client Relationship Summary (PDF). Investment advisor registration does not imply a certain level of skill or training. One Bryant Park New York, NY 10036 . Merrill Lynch Investment Advisory Program. Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . Merrill offers a broad range of brokerage, investment advisory and other services. 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”). Investment advisor registration does not imply a certain level of skill or training. "��0��0�p)� Investment Advisor 09/1997 – 12/2012 Merrill Lynch, Pierce, Fenner & Smith, Inc; Financial Advisor Exams, Licenses & Other Professional Designations: 1994: Licensed Ohio Real Estate Agent 1997: Series 66 Exam 1997: OH Insurance; Accident & Health, Life, and Variable (No# 23475) 2007: Chartered Retirement Planning Counselor (CRPC®) The CRPC® is offered by The College for Financial … If you choose a strategy managed by an investment manager, you will also pay a style manager fee. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. 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. 235 0 obj <> endobj g� �L&F�E����#�3�[` �� endstream endobj 573 0 obj <>/Metadata 104 0 R/OpenAction 574 0 R/Outlines 640 0 R/PageLayout/OneColumn/PageMode/UseOutlines/Pages 570 0 R/StructTreeRoot 210 0 R/Type/Catalog/ViewerPreferences<>>> endobj 574 0 obj <> endobj 575 0 obj <>/MediaBox[0 0 612 792]/Parent 570 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 576 0 obj <>stream Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated (“MLPF&S”). 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