The quality of care your financial life deserves

Transcription

1 The quality of care your financial life deserves

2 We can help you take care of everything that matters Every day, your focus is on your patient s health. You give pet owners the guidance, support and solutions they need to improve their pet s quality of life. We re here to provide the same support for your financial life. Because making important decisions now could affect the financial health of you, your family and your practice for years to come. Through a personal relationship with us, you have access to strategic guidance and a broad array of products and solutions from our family of companies, Bank of America, N.A., Merrill Lynch, U.S. Trust and Bank of America Merrill Lynch. Whether you need help with your personal, family or business financial needs, we ve got you covered. You spend your life taking care of others. Let us help take care of your financial future. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Life s better when we re connected THE QUALITY OF CARE YOUR FINANCIAL LIFE DESERVES 2

3 You have multiple priorities and one powerful relationship that can help you address them Our dedicated team of professionals can help you with all your financial needs. In our personal consultations, our focus is on understanding what matters most to you. Once we know the needs and goals you have for yourself, your family and your practice, our job is helping you succeed on your own terms. Using the wheel below, click on the need or goal you re interested in learning about. Enhance cash flows and efficiency Fund growth and operations Grow and preserve personal wealth Provide for children and aging parents PROFESSIONAL Raise capital and get strategic advice Manage risks You Your family Your practice Purchase a home Give to charitable causes PERSONAL Support your employees Plan for retirement Bank products are available from Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Plan for succession Pursue leisure interests Investment products are available from Merrill Lynch, Pierce, Fenner & Smith Incorporated. Life s better when we re connected THE QUALITY OF CARE YOUR FINANCIAL LIFE DESERVES 3

4 Solutions for you and your family Sometimes the best way to pursue your goals can be unclear. Your personal advisor can help you navigate the many decisions you ll make that could affect you and your family, including: Grow and preserve personal wealth For all you accomplish now and in the future, you want to make the most of your wealth. Merrill Lynch can help you manage your cash flow, your investments, and your personal assets, so you can build, preserve, enjoy and share what you ve earned. Provide for children and aging parents If your children need help with college tuition or your parents require care, they may need you for support. Preparing for these possibilities now can help ensure you have the means to help. Plan for retirement Leading the life you want in retirement means anticipating your ongoing income needs, and preparing for inflation, taxes and rising health care costs so they don t jeopardize your other goals. Pursue leisure interests Whether traveling, collecting art or buying a boat, car or plane, considering leisure plans as part of your financial strategy helps you make the most of your free time and future opportunities. Purchase a home Whether you re purchasing a first or second home, Bank of America can help you pursue the right funding approaches based on your complete financial picture. Give to charitable causes Combining your sense of purpose and financial resources, you can support causes that are important to you through lifetime giving strategies, family philanthropy, foundation advisory services, grantmaking, trusts and donor-advised fund programs. Bank products are available from Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Investment products are available from Merrill Lynch, Pierce, Fenner & Smith Incorporated. Life s better when we re connected THE QUALITY OF CARE YOUR FINANCIAL LIFE DESERVES 4

5 Solutions to help you run your practice Whether your priorities are strategic or operational, Bank of America and Merrill Lynch can help you achieve the full potential and value of your business wherever your ambition takes you. We are committed to providing comprehensive solutions designed to: Fund growth and operations Whether you re expanding or improving your practice, we can help provide financing for startups, improvements, expansions, sales and acquisitions. Enhance cash flows and efficiency Strong cash flows and smoothly run operations are critical to your practice. We can help streamline processing of receivables, claims and payables, enhance data accuracy, increase security and productivity, and offer treasury management solutions. Support your employees Building your benefits program can increase loyalty as you support the financial well-being of your employees, their families and your practice. This includes providing services such as banking, retirement planning (including defined benefits and 401(k) plans), and health care accounts. Raise capital and get strategic advice With one of the largest and most experienced corporate and investment banking teams on Wall Street, Bank of America Merrill Lynch delivers innovative and comprehensive advice and solutions, including: Mergers and acquisitions advisory Equity and debt capital raising High-yield finance Loan syndications Private placements Liability management Plan for succession As an owner, planning for the transfer of personal wealth that s tied up in your practice, even if your succession is years ahead, can create a smoother transition for everyone involved. Manage risks Protecting your business and your future means mitigating your exposure to changing financial, market and operational risks. It starts with a comprehensive and disciplined risk management approach. Bank products are available from Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Investment products are available from Merrill Lynch, Pierce, Fenner & Smith Incorporated. Life s better when we re connected THE QUALITY OF CARE YOUR FINANCIAL LIFE DESERVES 5

6 Helping you make the most of life is our top priority Your patient is healthy and back to keeping his owners on their toes. You career allows you to do what you love. You re on track to share your wealth with loved ones. These are just a few of the milestones that can make life meaningful. But they don t happen in an instant. They take preparation, persistence and smart planning. Our goal is to help you pursue more of these life-defining moments. Through one personal relationship, you have access to our wide-ranging capabilities and focused industry knowledge. Let us help you address your financial needs so you can continue to make the most of life. For more information, or to discuss specific solutions for your needs, please visit us at Life s better when we re connected THE QUALITY OF CARE YOUR FINANCIAL LIFE DESERVES 6

7 Neither Bank of America nor any of its affiliates provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. Bank of America Merrill Lynch is the marketing name for the global banking and global markets businesses of Bank of America Corporation ( BofA Corp. ). Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of BofA Corp. ( Investment Banking Affiliates ), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ( MLPF&S ) and other subsidiaries of BofA Corp. Merrill Edge is available through MLPF&S, and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. U.S. Trust, Bank of America Private Wealth Management operates through Bank of America, N.A., and other subsidiaries of BofA Corp. Banking and mortgage products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Terms and conditions apply. This is not a commitment to lend. Equal Housing Lender. Credit and collateral are subject to approval. Programs, rates, terms and conditions are subject to change without notice. MLPF&S is a registered broker-dealer, registered investment advisor, Member SIPC and a wholly owned subsidiary of BofA Corp Bank of America Corporation. ARFSQD49 BRO /2015