Investments

You Have Important Priorities, and You Know What You Care for Most in Life: Let a Merrill Lynch Financial Advisor help you align your portfolio with your personal goals.

Estate Planning & Philanthropy

Estate Planning and Philanthropy

You've worked hard to achieve the life you desire. Now you want to make a difference in the lives of your heirs, as well as find ways to support the causes you believe in. How can you pass on your wealth with the smallest tax liability and greatest benefit to loved ones?

A Merrill Lynch Financial Advisor can recommend tax-efficient ways to help hand more down to the next generation and create a philanthropic legacy. Ask your Financial Advisor whether a private family foundation or a donor-advised fund is the best charitable vehicle for you. You may also want to talk about Merrill Lynch's Trust Administrative Advantage (TAA) program to help simplify administrative chores for your personal trusts, as well as other estate-planning services offered by Merrill Lynch Trust Company.

SUCCESS STORIES: Meet Clients Who Achieved Life Goals with the Help of Their Merrill Lynch Financial Advisor

Savoring the Spice of Life

Savoring the Spice of Life

Actress and cookbook author Madhur Jaffrey has spent more than 50 years inspiring audiences and would-be chefs. Her Merrill Lynch Financial Advisor helps Jaffrey by providing her with sound planning and an ever-attentive ear

Neither Merrill Lynch nor its Financial Advisors provide legal or tax advice. You should consult with your own legal/tax advisors regarding your particular situation.

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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Opinions expressed are subject to change. Past performance is no guarantee of future results.

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

Any information presented is general in nature and is not intended to provide personal investment advice. The investments or strategies presented do not take into account the investment objectives or financial needs of particular investors. It is important that you consider this information in the context of your personal risk tolerance and investment goals.

Asset allocation, diversification and rebalancing do not assure a profit or protect against loss in declining markets.

Any information presented about tax considerations affecting client financial transactions or arrangements is not intended as tax advice and should not be relied upon for the purpose of avoiding any tax penalties. 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.

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation.

Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A., Member FDIC. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency.

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Investment products, insurance and annuity products:

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

MLPF&S and Bank of America, N.A. make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest, including BofA^TM Global Capital Management, BlackRock and Nuveen Investments.

BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates.