Sophisticated Capabilities We draw from our extensive offerings to develop innovative solutions that build and enrich your financial life Financial Strategies Education Plan Industry-Leading Research Tax Management Wealth Management Process Beyond Banking Account Everyday Cash Management Merrill Lynch Visa Signature Rewards Program Savings Products Charitable Giving Insurance Private Family Foundations Trusts Estate Settlement Cash Management Financing Retirement Solutions Managing Income in Retirement Managing Job Transition Retirement Plan Home Equity Financing Interest-Only Home Financing 100% Home Financing Securities-Based Financing Alternative Investments Concentrated Stock Services Equity and Fixed-Income Strategies Managed Account Programs Asset Information and Measurement Client Review Merrill Lynch OnLine Statements

We draw from our extensive offerings to develop innovative solutions that build and enrich your financial life

Financial Strategies

Education Plan

Industry-Leading Research

Tax Management

Wealth Management Process

Beyond Banking Account

Everyday Cash Management

Merrill Lynch Visa Signature Rewards Program

Savings Products

Charitable Giving

Insurance

Private Family Foundations

Trusts

Estate Settlement

Cash Management

Financing

Retirement Solutions

Managing Income in Retirement

Managing Job Transition

Retirement Plan

Home Equity Financing

Interest-Only Home Financing

100% Home Financing

Securities-Based Financing

Alternative Investments

Concentrated Stock Services

Equity and Fixed-Income Strategies

Managed Account Programs

Asset Information and Measurement

Client Review

Merrill Lynch OnLine

Statements

12 Wealth Management Issues We have identified twelve wealth management issues that clients face where we can provide guidance and solutions. CHARITABLE GIFTING TITLING OF ASSETS BUSINESS SUCCESION PLANNING DISTRIBUTION PLAN AT DEATH STOCK OPTIONS Personal Risk Management Liquidity Needs Family Protection EXECUTOR/SUCCESSOR TRUSTEE ISSUES LIABILITIES Asset Allocation Overlap Correlation Debt Structure Efficiency Liquidity Maximize Pre-tax Contributions Beneficiary Designations Qualified and Non-Qualified Risk Assessment Asset Liquidity Restrictions AMT Impact Business Valuation Family Impact Tax Efficient Transfer Health Financial Family Communication Lifetime Strategies Family Values & Legacy 529 Plans Ongoing Management Family Involvement Fiduciary Issues Tax Efficiency Intention vs. Reality Minimize Family Conflict Communication Fiduciary Responsibilities Minimize Taxes Strategy Coordination Communication IRA Assets INVESTMENTS INSURANCE 1 2 3 4 RETIREMENT ASSETS 5 6 7 POWERS OF ATTORNEY 8 LIFETIME GIFTING TO CHILDREN & OTHERS 12 11 10 9

We have identified twelve wealth management issues that clients face where we can provide guidance and solutions.

Personal Risk Management

Liquidity Needs

Family Protection

Asset Allocation

Overlap

Correlation

Debt Structure

Efficiency

Liquidity

Maximize Pre-tax Contributions

Beneficiary Designations

Qualified and Non-Qualified

Risk Assessment

Asset Liquidity Restrictions

AMT Impact

Business Valuation

Family Impact

Tax Efficient Transfer

Health

Financial

Family Communication

Lifetime Strategies

Family Values & Legacy

529 Plans

Ongoing Management

Family Involvement

Fiduciary Issues

Tax Efficiency

Intention vs. Reality

Minimize Family Conflict

Communication

Fiduciary Responsibilities

Minimize Taxes

Strategy Coordination

Communication

IRA Assets

6 Issues for Business Owners We have identified six primary issues for business owners where we can provide guidance and solutions. How do I maximize my bottom-line earnings? Cash Management Working Capital Management 1 What is my exit strategy? Sell : Private Sales Referral Network/Investment Banking Transfer to Employees : Employee Stock Ownership Program Transfer to Family : Succession Plan 6 How do I invest? Open Architecture Approach to Investment Managers Real Estate Financing 5 How do I facilitate growth without using cash reserves? Loan Management Account (securities based) Business Lines of Credit 4 How do I provide benefits to stay competitive? Qualified Retirement Plans Corporate 529 Plans 2 How do I incent and reward my key employees? Non-Qualified Retirement Plans Corporate Sponsored Financial Planning 3

We have identified six primary issues for business owners where we can provide guidance and solutions.

Cash Management

Working Capital Management

Sell : Private Sales Referral Network/Investment Banking

Transfer to Employees : Employee Stock Ownership Program

Transfer to Family : Succession Plan

Open Architecture Approach to Investment Managers

Real Estate Financing

Loan Management Account (securities based)

Business Lines of Credit

Qualified Retirement Plans

Corporate 529 Plans

Non-Qualified Retirement Plans

Corporate Sponsored Financial Planning