You pay a customized fee subject to a maximum rate based on strategy type. %%EOF Before joining Merrill Lynch, he served as an officer 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 … 572 0 obj <> endobj 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. How to become a Merrill financial advisor. 101 Hudson Street Jersey City, NJ 07302 800.637.7455 . There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the … You pay a customized … 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”). On March 23, 2020, MLPF&S and MAA each filed its last annual update to its Merrill Guided Investing with Advisor 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”). MLPF&S is a registered broker-dealer, Member SIPC, and a wholly-owned subsidiary of BofA Corp. If you choose a strategy managed by an investment manager, you will also pay a style manager fee. Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . www.ml.com 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. Investment advisor registration does not imply a certain level of skill or training. We are updating the Program Brochure to reflect these changes. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. �$���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$Ӷ��F2%Qʢ� ,����HJB�F9T;i���&�1�M�������Ʀ)��,�vEˎp�������Fa�F5W�|&Xܜ������os��uNɵ�˿�r�W8v�΃�iCqe)�1��c�Ls��R�&2���#u� �n�� �.�w��*=r9y1Z!v؇W�r� Enrollment in the program allows you to study a variety of MLPF&S offers a broad range of brokerage, investment advisory and other services. h�b```c``��������A��b�,+X6�b`�9���Z���/����|������ h��ұ�P��ޠ�.,$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,� 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 R� Merrill Lynch INVESTMENT ADVISORY PROGRAM WRAP FEE PROGRAM BROCHURE Please retain for your records . 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. Strategic Portfolio Advisor. MLPF&S offers a broad range of brokerage, investment advisory and other services. 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”). 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. 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 … h�bbd``b`�$�X�@��H�� �� �y ��$ث��G! 0 … Additional information is available in our Client Relationship Summary (PDF). These programs include Merrill Guided Investing with Advisor, Merrill Guided Investing and Merrill Edge Advisory Account (MEAA). You pay a customized fee subject to a maximum rate of 2.00%. 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). 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”). 1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). Merrill Lynch Investment Advisory Program. 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."). endstream endobj startxref 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 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. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). The Merrill Lynch Investment Advisory Program is an investment advisory service sponsored by Merrill. MLPF&S offers a broad range of brokerage, investment advisory and other services. 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 offers a broad range of brokerage, investment advisory (including financial planning) and other services. A Merrill financial advisor goes beyond portfolios and investment strategies. We are updating the Program Brochure to reflect these changes. A graduate of Chaminade High School and St. Bonaventure University, Jim earned a bachelor’s degree in marketing and finance. 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. %%EOF %PDF-1.6 %���� G}���~(��f� "��0��0�p)� Advice Access is an investment advisory program available to participant-directed defined contribution Plans that utilize Merrillfor recordkeeping services. 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. 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. 888.204.3287 . Bank of America Merrill Lynch is a marketing name for the Retirement Services business of Bank of America Corporation (“BAC”). MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. $�e��B��T �~�mB�A�ʁc)�U For plan sponsor use only. Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New York, NY 10036 (800) 637-7455 www.ml.com This wrap fee program brochure provides information about the qualifications and business practices of Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) relating to the Merrill Lynch Managed Account Service. h޴T�KSQv=n6M�3u��4�i�����d�)�!�����d�)$��[�no8�B1j��B~ 0 �8p} Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . 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 … 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”). We will change the Merrill Lynch Personal Investment Advisory ® (PIA) program during the third quarter, 2012. 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 MLPF&S offers a broad range of brokerage, investment advisory and other services. 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. 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. 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) 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. Strategic Portfolio Advisor. 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 <. MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. 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���� f������d� � ڀ���Qq@Z��&�2����8��e�� The Merrill Edge Selects Portfolios are part of the Merrill Edge Advisory Program and require participation in the program to invest. Please review the applicable Merrill Guided Investing Program Brochure (PDF) at ... rebalancing, and the details of the investment advisory program. Footnote 8 Please review the Merrill Guided Investing with Advisor Program Brochure (PDF) for … �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 101 Hudson Street Jersey City, NJ 07302 800.637.7455 . %PDF-1.7 %���� 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. certain Style Manager Strategies and Funds in the Merrill Lynch Investment Advisory Program (Program). 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. 888.204.3287 . 354 0 obj <>stream Investment advisor registration does not imply a … 0 If you choose a strategy managed by an investment manager, you will also pay a style manager fee. 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. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. One Bryant Park New York, NY 10036 . MLPF&S and Managed Account Advisors LLC (“MAA”) are registered investment advisers. 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. Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. Merrill offers a broad range of brokerage, investment advisory and other services. 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 … endstream endobj startxref MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). One Bryant Park New York, NY 10036 . Merrill Lynch INVESTMENT ADVISORY PROGRAM WRAP FEE PROGRAM BROCHURE Please retain for your records . Merrill Lynch Investment Advisory Program. This program is not offered through an advisor. Merrill Guided Investing is offered with and without an advisor. The 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. g� �L&F�E����#�3�[` �� MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. 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. 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 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. A summary of the amendments to the Program Brochure is described in Exhibit A, which is attached to this notice. 235 0 obj <> endobj 1605 0 obj <>stream ţ�=l'�/Ը�o�d8������sn��g���� �����,g�=;�u�c�j �����H�20�� �L@�D�4� -��x���� � e�6� You pay a customized fee subject to a maximum rate of 2.00%. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated (“MLPF&S”). Investment advisor registration does not imply a certain level of skill or training. 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. 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. On March 23, 2020, MLPF&S and MAA each filed its last annual update for its Merrill Edge Advisory Account program brochure (“Brochure”). MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisers. 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