The RVH Group Wealth Management

A broad range of capabilities designed to help build your financial life Merrill Lynch and Bank of America, N.A., have one of the most robust and dynamic product and solution platforms across the industry.

ADVICE AND PLANNING ■

Goals-Based Wealth Management Process

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Industry-Leading Research

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Investment Personality Assessment

Education Planning

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Tax Minimization Strategies

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Comprehensive Financial Planning

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RETIREMENT ■

Managing Income in Retirement

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Planning for Retirement Retirement Outcome

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Managing Job Transition

Health Care Expense Planning

BANKING ■

Everyday Cash Management

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Savings Products

CREDIT AND LENDING ■ ■

Credit Cards ■ Home Financing Securities-Based Lending

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Home Equity Financing

ESTATE PLANNING SERVICES ■ ■

Charitable Giving ■ Insurance Donor-Advised Funds

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Private Family Foundations

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Trusts

INVESTMENTS ■

Alternative Investments ■ Concentrated Stock Services ■ Equity and Fixed-Income Strategies ■ Managed Account Programs ■ Market-Linked Investments ■ Unit Investment Trusts ■ Closed-End Funds

SOLUTIONS FOR BUSINESS ■ ■

Liquidity & Cash Management Succession Planning

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Financing

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Retirement Solutions

TRACKING PROGRESS ■

Asset Information and Measurement

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Statements

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Wealth Outlook®

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Client Review

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MyMerrill.com®

Performance Online

Investment Products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated. Banking Products are offered by Bank of America, N.A.

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”). Banking products are provided by Bank of America, N.A. and affiliated banks, members FDIC and wholly owned subsidiaries of Bank of America Corporation. Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.: Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

Are Not Deposits

Are Not Insured by Any Federal Government Agency

Are Not a Condition to Any Banking Service or Activity

Merrill Lynch Life Agency Inc. is a licensed insurance agency and a wholly owned subsidiary of BAC.

Larry Rothenberg

Elyssa Coleman, CRPC®

S E N I O R V I C E P R E SI D E N T– W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R

V I C E P R E SI D E N T S E N I O R F IN A N C I A L A DV I S O R

Shaun Van Vliet , CFP®

Gail Luria

S E N I O R V I C E P R E SI D E N T– W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R

S E N I O R V I C E P R E SI D E N T– W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R

Daniel Humbert , CFP®

Andreas M. Thienel, CRPC®

S E N I O R V I C E P R E SI D E N T– W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R

V I C E P R E SI D E N T S E N I O R F IN A N C I A L A DV I S O R

David Farber, CFP®

Timothy Deygoo

S E N I O R V I C E P R E SI D E N T– W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R

F IN A N C I A L A DV I S O R

Schuyler Perry, CFP®, CIMA® F IR S T V I C E P R E SI D E N T– W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R

Call or e-mail us for further information.

888.527.6014 | [email protected] 3

Personal attention blended with global resources Since 1996, The RVH Group has offered customized wealth management to affluent families, corporate executives, professionals, business owners and their companies. We offer clients investment management, retirement outlook analysis, insurance solutions and other wealth management strategies, as well as trust and estate planning services through Bank of America. We have significant experience with the sophisticated financial needs of high-net-worth individuals and families. Our investment process helps clients actively pursue their financial goals and objectives with strategies designed to build wealth with minimum risk and volatility. To help achieve this balance, we leverage Merrill Lynch’s open architecture investment platform—one of the broadest in the industry. By combining our own experience with that of leading economists, research analysts and investment managers, we are able to help clients customize sophisticated portfolios of noncorrelating asset classes.

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“Our highly skilled support team’s goal is to enable our financial advisors to spend

virtually all of their time working with and advising clients.” Larry Rothenberg SENIOR VICE PRE SIDENT—WE ALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER, PIA PROGR AM

Our team structure Our innovative team structure and well-refined process offers clients both the intimacy and personal touch of a small financial services boutique, coupled with the vast resources of Merrill Lynch. The diverse talents and resources of our large, experienced team give you an outstanding opportunity to build and enhance your financial life. In addition to our experienced group of financial advisors, we have developed a highly skilled support team of investment associates, financial services associates and client associates. This dynamic combination provides our financial advisors with the flexibility to spend substantial time with you, getting to know you and personally guiding you through the disciplined process that effective wealth management requires.

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A commitment to teamwork and service We believe that the individuals, families and businesses who work with us appreciate our commitment to teamwork and high-quality service, in particular the steadfast attention they receive. Our high staff-to-client ratio and team structure make this possible. You will have two lead contacts with The RVH Group: a dedicated financial advisor and an associate from our support team. Plus, every other member of our team is committed to adding value and making sure you get the most out of your relationship with us. We will be in contact with you regularly, including your scheduled reviews and progress reports, and we encourage you to call us anytime with questions or ideas. Our commitment to teamwork extends beyond The RVH Group. As seamlessly as we work together in-house, we know it’s just as important that the various aspects of your financial life—such as tax management, trust and estate planning services and life insurance—work together. That’s why, with your permission, we’ll work closely and communicate regularly with your CPA, attorney and other professionals. In addition, you will receive a summary report that details your accounts and presents information about tax-reporting statements such as 1099s, K-1s and other documentation. This report eliminates surprises and helps your CPA plan ahead.

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“Our innovative team structure is designed to allow our financial advisors to develop strong client

relationships necessary for creating effective wealth management strategies.” Shaun Van Vliet , CFP® SENIOR VICE PRE SIDENT—WE ALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER, PIA PROGR AM

Our investment process is designed to enhance wealth building and preservation Working with The RVH Group means you receive informed advice and guidance, supported by the industry-leading BofA Merrill Lynch Global Research and rigorous due diligence of Merrill Lynch. Our service also includes the advantage of detailed periodic performance reviews and a sensitivity to tax minimization—all with the same individualized process.

1 Obtain a deep understanding of short- and long-term financial goals, objectives, liquidity needs, time horizon and risk tolerance We spend time with you up front to develop a detailed picture of your life and the lives of the people important to you. Understanding your long- and short-term financial objectives helps us to better determine your time horizon and tolerance for risk. Using this information, we build a snapshot of your financial picture, help you craft an individualized strategy, then help you implement that strategy.

2 Help you create a broadly diversified portfolio of noncorrelating asset classes, including stocks, bonds and alternative investments In addition to helping your portfolio have a strong foundation for building wealth, your diversification strategy can and should be designed with a focus on lower volatility, which is particularly important in today’s dynamic financial environment. 7

OUR INVESTMENT PROCESS (continued) 3 Utilize independent, fully examined investment managers, hedge funds, mutual funds and exchange-traded funds (ETFs) Merrill Lynch’s open platform, one of the broadest in the industry, is designed to offer excellent investing opportunities for you, given the parameters of your financial objectives, liquidity needs, time horizon and risk tolerance. We leverage the vast resources of Merrill Lynch to identify independent portfolio managers and investment products that we believe are suited to your needs. We utilize the experience of Merrill Lynch’s due diligence team, as well as our own history with certain managers and investments, when making recommendations to you.

4 Incorporate current investment themes, utilizing BofA Merrill Lynch Global Research The RVH Group has access to the industry-leading* analysis offered by BofA Merrill Lynch Global Research, which we can leverage to assist you with portfolio creation. Furthermore, we can create and manage custom-model portfolios within the Merrill Lynch Personal Investment Advisory® (PIA) Program, which allows you to delegate the day-to-day management of your account to your financial advisor, who creates and manages customized investment solutions tailored to your unique needs. This helps you take advantage of tactical, research-driven opportunities that work within your wealth management strategy.

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* This was based on the December 2013 ranking which is a year-to-date ranking. Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2013, based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. For more information about this award, go to http://www.iinews.com/site/pdfs/researchaward.pdf.

“Our experience is that markets have worked for clients over the

long term. Our goal is to help clients keep their emotions in check and continue on course toward their objectives.” Daniel Humbert , CFP® SENIOR VICE PRE SIDENT—WE ALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER, PIA PROGR AM

5 Regular monitoring, reviewing and refining To help you keep track of and follow your goals, we regularly review the progress of your investments with you, measure it against your objectives and make any necessary adjustments in response to changes in the markets or in your life. Our process adds the discipline of periodic rebalancing to your portfolio and avoids emotionally driven changes due to specific market movements up or down.

6 A focus on tax minimization As we build your wealth management strategy, we examine the impact that various investment decisions might have on your taxes. These scenarios and their outcomes help us structure your portfolio more efficiently in terms of your overall financial picture. We commit significant resources—both human and technological—to help you monitor, understand and assess your progress toward your goals. The in-depth analytics that are provided in a wide range of targeted reports assist us in identifying transactions that can help offset the taxable income generated by others.

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Integrated financial services The tailored strategies we design with you can extend beyond wealth management to a wide range of financial services, helping you prepare for your future with insights you can use to make decisions today.

1 Retirement analysis One of the most important functions we undertake as financial advisors is to develop strategies designed to help clients make their money last through their lifetime and beyond. Using Merrill Lynch’s sophisticated retirement planning tools, we can analyze the likelihood of you achieving your goals and desired lifestyle, and demonstrate the impact that those goals might have on your future wealth.

2 Trust and estate planning services of Bank of America, N.A. It’s never too late—or too soon—to begin preparing for the transfer and distribution of your wealth. Whatever your intentions, you’ll need an experienced team to help you coordinate and sort through the details. Accessing trust and estate specialists through the vast resources of Bank of America, N.A., and working closely with your accountants and attorneys, we can help you minimize your estate taxes and address your other trust and estate planning needs.

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“Maintaining meaningful relationships with clients is fundamental. So is orchestrating a truly

disciplined approach toward growing, preserving and transferring wealth.” David Farber, CFP® SENIOR VICE PRE SIDENT—WE ALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER, PIA PROGR AM

3 Insurance strategies No one knows what the future will bring, and we’re here to help you prepare for the unexpected turns your life may take, which can impact your wealth, your family, your income, even your lifestyle. We’ll help evaluate your needs for wealth protection strategies and suggest solutions that may include annuities, long-term-care insurance or life insurance. Our breadth of alternatives is designed to help you create a strategy that accounts for these and other contingencies.

4 Philanthropy Many clients hope to use their wealth to actively support their favorite causes while they are alive, and to leave a lasting legacy after they’re gone. We can access on your behalf Institutional Investments & Philanthropic Solutions specialists who can help you develop and administer charitable trusts and foundations, or gift through a donor-advised fund.

5 Education funding Education for children and grandchildren is often high on a client’s list of goals. If higher education is a priority for you, we can help you find ways to save for it efficiently. We can help you estimate the cost in future dollars, illustrate the potential growth of 529 Plans and other vehicles, and make carefully considered recommendations.

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INTEGRATED FINANCIAL SERVICES (continued) 6 Tax minimization Virtually every investment decision has tax implications. Working with your tax professional, we can help you structure investment strategies designed to help put you and your estate in a more advantageous position. Using our wealth management analytics, we can help you examine tax strategies such as annual gifting programs, insurance trusts, charitable remainder trusts and donor-advised funds. We can also forecast your tax responsibility in retirement, which can indicate whether you should consider converting your IRA to a Roth IRA, for example.

7 Concentrated stock services Managing for the risk of concentrated investments can be a critical component of your wealth preservation and growth strategies. As we help you develop your diversification strategy, we consider these holdings, as well as your other assets, risk tolerance, liquidity needs, expectation for future growth and time horizon. If appropriate, we can utilize many of Merrill Lynch’s sophisticated hedging strategies and derivative products.

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high expectations

“Clients have

and turn to us to help them pursue their goals.” Schuyler Perry, CFP®, CIMA® FIRST VICE PRE SIDENT—WE ALTH MANAGEMENT SENIOR FINANCIAL ADVISOR SENIOR PORTFOLIO MANAGER, PIA PROGR AM

Business-owner services 1 Retirement programs Entrepreneurs look to The RVH Group for ideas that will help them maximize the amount of income they can defer for retirement and, at the same time, provide a valuable benefit for their employees. Among these ideas are 401(k) and profit-sharing programs, defined benefit/pension plans and non-qualified deferred compensation plans. These and other products can help you attract and retain the high-quality employees your business needs.

2 Cash management To keep your business’ money working harder, we can work with you to establish a brokerage account that seamlessly integrates cash management, investing and financing. We can help you explore strategies that can help improve cash flow, maximize your business’ operating and investable cash, and save substantial fees. Once we understand your objectives, we can help you create a cash management strategy designed to work to your business’ advantage.

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Meet our team of dedicated professionals

Larry Rothenberg S E N I O R V I C E P R E SI D E N T — W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R P O R T F O L I O M A N AG E R , P I A P R O G R A M

Larry has spent his entire 30-year career in the financial services industry. He joined Merrill  Lynch in 1996. As a financial advisor with The RVH Group, Larry works closely with clients on investment management, retirement planning and other wealth management strategies. Larry is frequently called on by Merrill Lynch to share his knowledge and experience with other financial advisors, speaking at both domestic and international forums on a variety of topics. In December 2008, he was invited to speak in Tokyo to Asian financial advisors about The RVH Group’s team structure and service model. Larry serves on the Board of Governors of Daughters of Israel Nursing Home. He graduated from George Washington University with a Bachelor’s degree in Political Science.

Shaun Van Vliet , CFP® S E N I O R V I C E P R E SI D E N T — W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R P O R T F O L I O M A N AG E R , P I A P R O G R A M

Shaun has been with Merrill Lynch since 1996 and has 20 years’ experience in financial services. He is a CERTIFIED FINANCIAL PLANNERTM certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. As one of the lead financial advisors of The RVH Group, Shaun offers customized wealth management strategies for high-net-worth families, executives and entrepreneurs. He received his Bachelor’s degree in Business from Georgetown University, where he was also a standout baseball player.

Daniel Humbert , CFP® S E N I O R V I C E P R E SI D E N T — W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R P O R T F O L I O M A N AG E R , P I A P R O G R A M

Dan has more than 24 years of experience in the financial services industry, the past 21 with Merrill Lynch. As a financial advisor with The RVH Group, he works closely with his clients on customized wealth management and insurance strategies and wealth transfer services. Dan is a CERTIFIED FINANCIAL PLANNERTM certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He graduated with a Bachelor’s degree in Psychology from Hofstra University.

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David Farber, CFP® S E N I O R V I C E P R E SI D E N T — W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R P O R T F O L I O M A N AG E R , P I A P R O G R A M

David has 30 years of experience building and managing service businesses, including 15 years in the financial services industry. He began his career as a CPA. (He does not give tax advice in his duties with Merrill Lynch.) At The RVH Group, David is responsible for the team’s business operations. In addition, he offers clients wealth management services, including investment management, tax minimization strategies, and, through Bank of America, trust and estate planning services. David is a CERTIFIED FINANCIAL PLANNERTM certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He serves on the Editorial Advisory Board of CFO magazine, the Board of Trustees of Philip’s Education Partners and the Board of Trustees of New Jersey SEEDS. He received his Bachelor’s degree in Economics from Rutgers College.

Schuyler Perry, CFP®, CIMA® F IR S T V I C E P R E SI D E N T — W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R S E N I O R P O R T F O L I O M A N AG E R , P I A P R O G R A M

Schuyler has more than 14 years of experience in the financial services industry. He joined Merrill Lynch in 2001. Schuyler leads The RVH Group’s strategy and investment team, and works closely with our financial advisors to leverage Merrill Lynch’s vast array of services and solutions. He focuses on asset allocation strategies, retirement analysis, and trust and estate planning services. Schuyler is a CERTIFIED FINANCIAL PLANNERTM certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He also holds the Certified Investment Management Analyst SM (CIMA®) designation. He graduated with a Bachelor’s degree in Economics from Hamilton College.

Elyssa Coleman, CRPC® V I C E P R E SI D E N T S E N I O R F IN A N C I A L A DV I S O R

Elyssa has more than 10 years of experience in the financial services industry. She joined Merrill Lynch in 2005. As a financial advisor with The RVH Group, Elyssa offers clients customized wealth management strategies, including asset allocation, retirement planning services and insurance solutions. She has earned the Chartered Retirement Planning CounselorSM (CRPC®) designation. She graduated with a Bachelor’s degree in Finance from Florida Atlantic University.

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Meet our team of dedicated professionals Gail Luria S E N I O R V I C E P R E SI D E N T — W E A LT H M A N AG E M E N T S E N I O R F IN A N C I A L A DV I S O R

Gail joined Merrill Lynch in 2006 after spending 30 years at a notable financial services company. She focuses on municipal bond portfolios and unit investment trusts for clients. Gail is a member of New York Cares and also offers personal coaching outside of Merrill Lynch.

Andreas M. Thienel, CRPC® V I C E P R E SI D E N T S E N I O R F IN A N C I A L A DV I S O R

Andy joined Merrill Lynch in 2006 after 20 years as the owner and president of a successful manufacturing and wholesaling business. He began his career as a commercial bank lending officer. Andy offers clients customized wealth management strategies, with an emphasis on asset allocation strategies and retirement planning services. He has earned the Chartered Retirement Planning Counselor SM (CRPC®) designation. Andy graduated from Pace University with an MBA in Corporate Finance and a Bachelor’s degree in International Business.

Timothy Deygoo F IN A N C I A L A DV I S O R

Timothy has been with The RVH Group since 2007. As a financial advisor with the team, Timothy offers quality investment strategies and customized retirement planning services. In addition, Timothy works closely with other divisions of the Firm to help clients with sophisticated liquidity solutions. He is a graduate of New York University’s Stern School of Business, where he majored in Finance and Organizational Behavior, with a specialization in Entrepreneurship.

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Christian Coughlan, CFP® A S SI S TA N T V I C E P R E SI D E N T I N V E S T M E N T A S S O C I AT E

Christian joined Merrill Lynch in 2005, after spending three years at a major insurance and financial services company. He works with The RVH Group’s internal strategy and investment team, focusing on client reviews, portfolio strategies and insurance solutions. In addition, Christian serves as the Group’s liaison with clients’ CPAs and attorneys. Christian is a CERTIFIED FINANCIAL PLANNERTM certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He graduated from the University of Rhode Island with a Bachelor’s degree in International Marketing and German.

Diana Roytberg C L I E N T A S S O C I AT E

Diana has been with The RVH Group since 2011. Prior to joining the team, Diana worked as part of the energy team for a major business-media outlet, where she conducted research and analysis on the various forms of renewable energy and their impact on global markets. Diana works closely with the Group’s internal strategy and investing team, focusing on portfolio strategies and creating client reviews. She holds a Bachelor’s degree from New York University, where she majored in Economics.

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Client Associates Clients are our most important asset and serving them with attentive, knowledgeable personal service is a top priority for our team. Eight client associates, assigned three specific sets of roles and responsibilities, assist both our financial advisors and clients in a variety of ways.

Esma Bajraktarevic F IN A N C I A L S E R V I C E S A S S O C I AT E

Kevin Finley, CRPC® F IN A N C I A L S E R V I C E S A S S O C I AT E

Rachna Pathak C L I E N T A S S O C I AT E

Nicole Russo C L I E N T A S S O C I AT E ■

Work closely with financial advisors as primary client support team

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Direct client workflow

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Proactively communicate with clients and coordinate delivery of the Firm’s myriad services

Tara DeMarco R EG I S T E R E D S E N I O R C L I E N T A S S O C I AT E

Gladys Shenkman C L I E N T A S S O C I AT E

Christian Ventura R EG I S T E R E D C L I E N T A S S O C I AT E

Amanda Grayson C L I E N T A S S O C I AT E

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Coordinates The RVH Group’s daily office activities

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Plans and organizes client events

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Expedite account maintenance and other operational procedures

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Work closely with Merrill Lynch’s product and service areas to effectively execute clients’ instructions

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Facilitate fund transfers and distributions

We can help you move forward with advice and guidance from an advocate who knows you—your Merrill Lynch financial advisor. Call or e-mail us for further information.

The RVH Group Wealth Management Two World Financial Center

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South Tower—39th Floor

888.527.6014

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New York, NY 10281

[email protected]

www.fa.ml.com/The_RVH_Group

Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining a service or services to select. Neither Merrill Lynch nor its financial advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors. Alternative investments are intended for qualified and suitable investors only. Alternative Investments such as derivatives, hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk. Alternative Investments are speculative and involve a high degree of risk. All guarantees and benefits of an insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. All annuity contract or rider guarantees, or annuity payout rates, are backed by the claims paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. Hedging and monetization strategies can result in higher return potential but also higher loss potential. Prospective investors are required to meet certain qualifications and acknowledge they understand the risks associated with certain hedging and monetization strategies that may not be suitable for all investors. For more information on Exchange-Traded Funds for programs, including allocations, performance, holdings, characteristics, fees and risks, please contact your Financial Advisor.

L-01-14 Merrill Lynch Personal Investment Advisory, Merrill Lynch Wealth Management, MyMerrill.com and the Bull Symbol are trademarks of Bank of America Corporation. CERTIFIED FINANCIAL PLANNERTM and CFP® are certification marks owned by Certified Financial Planner Board of Standards, Inc., and are awarded to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Certified Investment Management Analyst is a certification mark and CIMA is a registered certification mark of Investment Management Consultants Association, Inc. Chartered Retirement Planning Counselor is a service mark and CRPC is a registered service mark of the College for Financial Planning. © 2014 Bank of America Corporation. All rights reserved. MLWM-13-02187_Brochure

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