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

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

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