Outstanding Service and Skill

Thank you for considering Spanos Group at Merrill Lynch for your wealth management needs. We offer a high level of skill, insight and experience that few other financial teams can exceed. In addition to bringing a global financial perspective to our relationship, you'll find we also take a close-knit, family-oriented approach to our work with you. This keeps us focused on developing sensible, prudent, long-term strategies for your assets and investments—and on the milestones in your life that impact them.

Our mission is to go beyond your expectations. We do this through outstanding customer service, objective guidance and sound recommendations. We understand the importance of the assets you ask us to help you manage—and we never forget that they are the achievement of what you've done so far and the foundation of what your family will accomplish tomorrow. You'll find we can help you build strategies that can help you pursue short-term goals as well as long-term objectives and dreams. We look forward to working with you.

Why You Need a Different Level of Wealth Management

While you have been accumulating wealth, the financial markets, the economy and tax legislation have all been evolving in ways that demand skilled insight and experience.

As one of the region's leading wealth management teams, Spanos Group's philosophy, process and commitment are based on:

• Clear strategy
• Operational discipline
• Unwavering respect for you and your goals

Significant Wealth Brings Significant Challenges

The strategies and techniques that helped you reach this point may not be sufficient to take you and your wealth to the next level. We take a long-term approach, designing financial frameworks that evolve as you move toward life's various milestones.

We help you see the possibilities of your wealth and how it can help position you to take advantage of investment opportunities. One of our key roles is working with you to evaluate and implement the choices that make sense now—and to reassess them as your outlook changes.

We stay focused on developing sensible, prudent, long-term strategies for your assets and investments — and on the milestones in your life that impact them.

An Approach that Keeps Pace with Your Financial Priorities

We target three key objectives:

1. Wealth preservation
   
   Asset by asset, we help you clearly map out your present financial outlook and help you understand where your money is, to understand where you want it to go and to keep more of it working for you.
   
2. Growth potential
   
   Together, we consider and refine income and growth investment strategies designed to help you prudently grow your wealth and take advantage of upside potential.
   
3. Multigenerational wealth management
   
   Spanos Group is adept at handling the full range of your family's financial needs discreetly and efficiently. When it's time for wealth transfer, we provide a single point of coordination and care during what can be an
   emotional transition.

Creating a Practical, Customized Investment Strategy

Spanos Group believes the key to a successful investment strategy is true customization. We design and refine investment recommendations tailored to your needs.

Merrill Lynch's expansive investment platform gives us the flexibility to suggest allocations among:

• Domestic and global equities
• Fixed income instruments
• Real estate, commodities, private equities, hedge funds
• Other alternative investments

Our team makes extensive use of BofA Merrill Lynch Global Research and has access to an extraordinary range of in-depth industry, market and country-specific data.