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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.

Content contained herein may have been produced by an outside party that is not affiliated with Bank of America or any of its affiliates (Bank of America). Opinions or ideas expressed are not necessarily those of Bank of America nor do they reflect their views or endorsement. These materials are for informational purposes only. Bank of America does not assume liability for any loss or damage resulting from anyone's reliance on the information provided. Certain links may direct you away from Bank of America to an unaffiliated site. Bank of America has not been involved in the preparation of the content supplied at the unaffiliated sites and does not guarantee or assume any responsibility for its content. When you visit these sites, you are agreeing to all of their terms of use, including their privacy and security policies.

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.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA.

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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 Names Jason Edelmann President of Fort Lauderdale

Bank of America Names Mark Kremers President of San Diego

BofA Names Michael T. Esposito President of Tampa Bay

Merrill Launches Ultra-High-Net-Worth Advisory Group

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

BofA Art Market Update Anticipates Buying Opportunities for Collectors This Fall

Bank of America Private Bank Study of Affluent Americans Finds Generational and Gender Divides in Charitable Giving

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

BofA Receives 19 Awards for Excellence from Euromoney Magazine

BofA Private Bank Study of Wealthy Americans Finds Generational Divide in Investing, Giving and Preserving Wealth

BofA Names Michael Garand as Worcester President

Merrill Launches New Video Series: #WomenInvested Meet Ups

Las minorías adineradas se centran en formar a las generaciones futuras y en ayudar a sus comunidades

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

BofA Global Research Named Top Global Equity Research Provider for 2023 by Institutional Investor

BofA Global Research Calls 2024 “The Year of the Landing”

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

Charitable Giving by Affluent Households Above Pre-Pandemic Levels, Finds 2023 BofA Study of Philanthropy

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

BofA Data Finds Men’s Average 401(k) Account Balance Exceeds Women’s by 50%

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

Georgetown University Survey Finds 65% of Young Adults Highlight Paid Time Off as the Top Benefit for Choosing an Employer

Bank of America Announces Accelerator Program that Provides Economic Opportunities to Entrepreneurs from Underrepresented Communities

Bank of America Names Lindsay Hans and Eric Schimpf Presidents and Co-Heads of Merrill Wealth Management

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

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