Merrill Lynch - Wealth Management - The Pepperman Humphries Group

The Pepperman Humphries Group

First Financial Plaza
16830 Ventura Boulevard
Encino, CA 91436
Directions To Branch

Phone: (888) 815-3776
E-mail: "Chip" Humphries

The advice and experience we bring helps you make important financial decisions.

As Financial Advisors to affluent individuals, we've found success using an open and straightforward approach that's sensitive to concerns about risk. We pride ourselves in understanding in detail what you value most in life — your family, business or legacy — and providing a disciplined approach to wealth management to help you maintain your lifestyle and achieve your financial goals.

"Putting the needs of clients first is the responsibility and commitment of our entire team. We reach out regularly and try to anticipate needs so that we are not just being reactive to changes in their lives, needs or investment performance."

— Paul Pepperman, CFP^®, CIMA^®
Senior Vice President – Investments
Wealth Management Advisor
Portfolio Manager, PIA Program

We help you with the big picture.

We're a diverse team of collectively disciplined professionals, each with different backgrounds. We offer clients a well-rounded perspective on many key decisions that accompany the responsibilities of wealth.

We believe our disciplined wealth management process comes close to gauging an individual's true attitude toward risk. Helping you pursue what's important to you, as well as helping you with more common financial issues — such as how to best finance a second home or boat — is what we are passionate about.

We share an intergenerational view with clients who want to see their wealth last beyond their lifetime.

We follow a three-pronged approach designed to preserve your wealth.

	Asset Allocation, Including Rebalancing — We believe that asset allocation strategy is the first line of defense. This can be enhanced with regular rebalancing and adjusting for performance, as necessary.

	Discipline — In addition to monitoring our own performance efforts, we utilize the research and oversight capabilities of Merrill Lynch's professional due diligence group. By reviewing the strategy and approach of a pre-screened universe of managers with you, we can help you make informed decisions.

	Expansive Investment Platform — Leveraging the intelligence provided by BofA Merrill Lynch Global Research, we can identify and screen many types of products and solutions from hundreds of available institutional and professional options.

Managing Your Portfolio With The Merrill Lynch Personal Advisory^® (PIA) Program

In order to meet your individual needs, in accordance with your objectives, we offer discretionary portfolio management through the Merrill Lynch Personal Investment Advisory^® (PIA) Program. This discretionary investment management approach eliminates the need for you to be actively involved with day-to-day investment decisions. We will manage your portfolio, reallocating assets and adjusting your holdings, as necessary, in response to changes in market conditions, your investment objectives or financial circumstances.

In addition, Merrill Lynch Specialists are available to work with your other trusted advisors to help address your estate planning and philanthropic issues.

Some of the services we offer access to include:

	Cash management
	Home financing, credit and other lending opportunities
	Business solutions
	Retirement strategies, including defined benefit plans and rollovers
	Concentrated stock strategies

We’re a diverse team of collectively disciplined professionals, each with
different backgrounds.

Paul Pepperman, CFP^®, CIMA^®
Senior Vice President – Investments
Wealth Management Advisor
Portfolio Manager, PIA Program

Richard K. "Chip" Humphries, CFP^®, CIMA^®
First Vice President – Investments
Wealth Management Advisor
Portfolio Manager, PIA Program

Thomas D. Roche, CFP^®
Wealth Management Advisor
Portfolio Analyst, PIA Program

Valerie Dowling
Senior Registered
Client Associate

Shelly Petersohn
Client Associate

"Our credentials and experience help us interpret the due diligence and investment themes and insights made available through Merrill Lynch. This reservoir of ideas makes it possible to present clients with a choice of feasible strategies from which they can choose — and the ability to select the one with which they feel most comfortable."

– Chip Humphries, CFP^®, CIMA^®
First Vice President – Investments
Wealth Management Advisor
Portfolio Manager, PIA Program

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Richard Humphries is registered to do business in: AL, AZ, CA, CO, DE, FL, GA, ID, IN, LA, MA, MO, NC, NJ, NM, NY, OR, TX, UT, VA, WA

Paul Pepperman is registered to do business in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

For questions regarding registration information please contact your Financial Advisor.

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value