Merrill Lynch Private Banking and Investment Group

Life's diverse challenges demand robust solutions grounded in a firm knowledge of who you are and where you want to go. With professional perspectives on everything from setting financial targets and updating your risk profile to managing family wealth dynamics, we'll help you be prepared for all of life's stages.

Millennials and Money
They are savvy, independent, skeptical and far more conservative than some might think. An exclusive, in-depth look at the new investment generation gap. Read the Whitepaper

Values-Based Investing Moves Into the Mainstream
As companies awaken to the financial potential of sustainable practices, investors have more opportunities than ever to align their personal values with a growing portfolio. Read the Viewpoint

Luxury Home Report: Looking Up at Last
An exclusive city-by-city analysis of the high-end residential real estate market suggests that those waiting for a meaningful recovery to set in need wait no longer. Read the Viewpoint

Private Air
"Value" is a term not ordinarily associated with "private jet." Yet current economic conditions have created some rare opportunities for would-be buyers and lessees of corporate aircraft. Here's how to decide if the numbers add up for you. Read the Viewpoint

Money Matters at the Altar
As a child's spouse is welcomed into the family, these steps may help pave the way for the new marriage to be a happier one — and cushion the blow if it's not. Read the Viewpoint

How to Allocate a Warhol
A surging art market and manic global equity and bond markets have many investors looking at their collections for returns. But how should a masterpiece fit in your portfolio? Here, a new look at art as asset. Read the Viewpoint

Protecting Your Good Name
In an age of instant, online (and often spurious) communication, a strong reputation has never been more valuable — or more vulnerable. Here, ways to help protect and defend one of your most precious assets. Read the Viewpoint

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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.

The Private Banking and Investment Group is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Group's Private Wealth Advisors through MLPF&S, a registered broker-dealer and registered investment adviser. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill Lynch's obligations will differ among these services. Investments involve risk, including the possible loss of principal investment.

The banking, credit and trust services sold by the Group's Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.

MLPF&S is a registered broker-dealer, Member SIPC and wholly owned subsidiary 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 wholly owned subsidiary of Bank of America Corporation.

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