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 Strategic Portfolio Advisor. h޴T�KSQv=n6M�3u��4�i�����d�)�!�����d�)$��[�no8�B1j��B~ endstream endobj startxref MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. 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”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. 101 Hudson Street Jersey City, NJ 07302 800.637.7455 . endstream endobj startxref We will change the Merrill Lynch Personal Investment Advisory ® (PIA) program during the third quarter, 2012. certain Style Manager Strategies and Funds in the Merrill Lynch Investment Advisory Program (Program). 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. The Merrill Edge Selects Portfolios are part of the Merrill Edge Advisory Program and require participation in the program to invest. Merrill Lynch INVESTMENT ADVISORY PROGRAM WRAP FEE PROGRAM BROCHURE Please retain for your records . 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”). h�b```c``��������A��b�,+X6�b`�9���Z���/����|������ Strategic Portfolio Advisor. MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisers. On March 23, 2020, MLPF&S and MAA together filed their last annual update for the Merrill Lynch Investment Advisory Program brochure (“Brochure”). We are updating the Program Brochure to reflect these changes. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated (“MLPF&S”). 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. 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 … Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. On March 23, 2020, MLPF&S and MAA each filed its last annual update for its Merrill Edge Advisory Account program brochure (“Brochure”). 235 0 obj <> endobj Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). 888.204.3287 . If you choose a strategy managed by an investment manager, you will also pay a style manager fee. "��0��0�p)� On March 23, 2020, MLPF&S and MAA each filed its last annual update to its Merrill Guided Investing with Advisor program brochure (“Brochure”). %PDF-1.6 %���� 888.204.3287 . Enrollment in the program allows you to study a variety of … We are updating the Program Brochure to reflect these changes. 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 Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. %%EOF 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. 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 <. 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. You pay a customized fee subject to a maximum rate of 2.00%. 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. 0 �8p} www.ml.com �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 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. 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. Bank of America Merrill Lynch is a marketing name for the Retirement Services business of Bank of America Corporation (“BAC”). The Merrill Lynch Investment Advisory Program is an investment advisory service sponsored by Merrill. 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”). R� $�e��B��T �~�mB�A�ʁc)�U MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. Merrill Lynch Investment Advisory Program. 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”). You pay a customized fee subject to a maximum rate based on strategy type. 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. 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. %%EOF 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 … Merrill Guided Investing is offered with and without an advisor. Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . 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. ţ�=l'�/Ը�o�d8������sn��g���� �����,g�=;�u�c�j �����H�20�� �L@�D�4� -��x���� � e�6� 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 Investment advisor registration does not imply a certain level of skill or training. Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . Additional information is available in our Client Relationship Summary (PDF). g� �L&F�E����#�3�[` �� How to become a Merrill financial advisor. Advice Access is an investment advisory program available to participant-directed defined contribution Plans that utilize Merrillfor recordkeeping services. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. 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."). �$���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� 0 Before joining Merrill Lynch, he served as an officer Footnote 8 Please review the Merrill Guided Investing with Advisor Program Brochure (PDF) for … 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. 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. through the firm’s Investment Advisory Program, a portfolio manager may manage his strategies on a discretionary basis. Investment advisor registration does not imply a … MLPF&S offers a broad range of brokerage, investment advisory and other services. 354 0 obj <>stream 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) MLPF&S 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”). Advisors LLC may manage his strategies on a discretionary basis Incorporated ( `` mlpf & offers! The applicable Merrill Guided Investing and Merrill Edge advisory Program is an investment manager, will! Imply a certain level of skill or training Client Relationship Summary ( )! 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