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This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.

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Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “ MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC (Securities Investor Protection Corporation) and a wholly owned subsidiary of BofA Corp.

Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation (“BofA Corp.”). Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. (“MLLA”), a licensed insurance agency and wholly-owned subsidiary of BofA Corp.

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Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation (BofA Corp.).

"Bank of America" is the marketing name for the global banking and global markets business of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, BofA Securities, Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated, both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. is registered as a futures commission merchant with the CFTC and is a member of the NFA.

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BofA Global Research Expects 2025 to be a Year of Further Equity Market Strength Amid Macro Uncertainty

Merrill and IMG Academy Launch Partnership to Bring Financial Education to Student-Athletes

Merrill Launches New Video Series: #WomenInvested Meet Ups

Affluent Diverse Communities Report Strong Focus on Giving Back and Setting Up Future Generations

Bank of America Names Naveed Shujaat President of Central Florida

Spontaneous Family Wealth Discussions and Decisions Can Lead to Regrets, Finds Merrill Study

Bank of America Names Tyrone Noel Hampton Roads President

BofA Recognized as the Leading Provider of Outsourced Chief Investment Office Services for Foundations and Endowments

Innovative Ways of Attracting and Serving Clients Draw Accolades for Merrill Wealth Management and Bank of America Private Bank

Celent Names BofA a Leader in Innovation, Personalization and Operational Excellence

New Merrill Study Finds Affluent Asian American and Pacific Islanders More Likely to Financially Support Aging Parents and Their Children’s Education Than the General Affluent Population

Merrill Launches Virtual Video Studio for Financial Advisors

Bank of America Names Vaughn Reynolds President of Columbia

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