1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). 1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Depending on your needs, you can also choose investment advisory services available through an online, interactive website, either on a self-guided basis or with assistance from Financial Solutions Advisors. 0 One Bryant Park New York, NY 10036 . Merrill offers a broad range of brokerage, investment advisory and other services. ţ�=l'�/Ը�o�d8������sn��g���� �����,g�=;�u�c�j �����H�20�� �L@�D�4� -��x���� � e�6� We are updating the Program Brochure to reflect these changes. Important Information regarding the Merrill Lynch Investment Advisory Program Effective on or about September 1, 2016, changes will be made to the initial and periodic reviews conducted for certain Style Manager Strategies and Funds in the Merrill Lynch Investment Advisory Program (Program). Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New York, NY 10036 (800) 637-7455 www.ml.com This wrap fee program brochure provides information about the qualifications and business practices of Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) relating to the Merrill Lynch Strategic Portfolio Advisor Service. The summary of material changes is designed to make clients aware of information that has changed since the Brochure’s last annual update and that may be important to them. Merrill Lynch has lost a team of veterans in Delaware managing $930 million in client assets who set up as a registered investment advisor, but welcomed back a … Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . If you choose a strategy managed by an investment manager, you will also pay a style manager fee. 264 0 obj <>/Filter/FlateDecode/ID[<5EA15065ADD6F545B395EB1EBEB0A13D>]/Index[235 120]/Info 234 0 R/Length 124/Prev 119549/Root 236 0 R/Size 355/Type/XRef/W[1 2 1]>>stream As a client who is enrolled in the Merrill Lynch Investment Advisory Program (Program), you benefit from a comprehensive investment approach that aims to meet your goals and unique needs through a range of financial strategies. Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. A Merrill financial advisor goes beyond portfolios and investment strategies. Please review the applicable Merrill Guided Investing Program Brochure (PDF) at ... rebalancing, and the details of the investment advisory program. This summary of material changes is designed to make clients aware of information that has changed since the Brochure’s last annual update and that may be important to them. through the firm’s Investment Advisory Program, a portfolio manager may manage his strategies on a discretionary basis. Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). Strategic Portfolio Advisor. %PDF-1.6 %���� MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. MLPF&S offers a broad range of brokerage, investment advisory and other services. 888.204.3287 . This program is not offered through an advisor. This Agreement defines the investment advisory relationship between you and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), and its Affiliate, Managed Account Advisors LLC (“MAA”), in providing you with the various services available now and in the future (“Services”) through the Merrill Guided Investing program MLPF&S and Managed Account Advisors LLC (“MAA”) are registered investment advisers. Merrill Guided Investing Merrill Guided Investing An investment advisory program aligned to your goals that's built, monitored and rebalanced by Merrill investment professionals plus the option to work one on one with an advisor. Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New York, NY 10036 (800) 637-7455 www.ml.com This wrap fee program brochure provides information about the qualifications and business practices of Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) relating to the Merrill Lynch Managed Account Service. On March 23, 2020, MLPF&S and MAA together filed their last annual update for the Merrill Lynch Investment Advisory Program brochure (“Brochure”). You pay a customized fee subject to a maximum rate based on strategy type. f������d� � ڀ���Qq@Z��&�2����8��e�� Investment advisor registration does not imply a certain level of skill or training. MLPF&S offers a broad range of brokerage, investment advisory and other services. h�b```c``��������A��b�,+X6�b`�9���Z���/����|������ endstream endobj startxref MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. 2 The Merrill Lynch Fiduciary Advisory Services Client Agreement and the related fee schedule and the Merrill Lynch Fiduciary Advisory Services program Brochure and other disclosure documents include information about the program, including Merrill Lynch’s fiduciary responsibilities pursuant to … Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated (“MLPF&S”). Merrill Lynch Mutual Fund Advisor® program (MFA) Updates The purpose of this letter is to notify you of certain changes we are making to our Fund selection and evaluation process in MFA and to provide you with the amendments to the MFA Brochure to reflect these changes. Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. endstream endobj startxref MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. �$���F��.�O�'t�+�B�N浂sp�0��Nm��ѓ��`9V܏�:vA3��tM5��O�\�Z�]Dƒ�2\h�X����_i.w���dX��Z&h,>�>�IJ�D���y�&��[a&Y�#l�s�^�ns�[�-{�� �SW�=.�&impt��&6�4��>)��s�� iڜ"�+��,���>�)�U�U����l��f������d0�<>)�(����M�$3�`O��zX5ŬV�QG%(c�D�gtԟE�:$R��G��L�,-��,�@G㵴r$Ӷ��F2%Qʢ� ,����HJB�F9T;i���&�1�M�������Ʀ)��,�vEˎp�������Fa�F5W�|&Xܜ������os��uNɵ�˿�r�W8v�΃�iCqe)�1��c�Ls��R�&2���#u� �n�� �.�w��*=r9y1Z!v؇W�r� MLPF&S is a registered broker-dealer, Member SIPC, and a wholly-owned subsidiary of BofA Corp. endstream endobj 573 0 obj <>/Metadata 104 0 R/OpenAction 574 0 R/Outlines 640 0 R/PageLayout/OneColumn/PageMode/UseOutlines/Pages 570 0 R/StructTreeRoot 210 0 R/Type/Catalog/ViewerPreferences<>>> endobj 574 0 obj <> endobj 575 0 obj <>/MediaBox[0 0 612 792]/Parent 570 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 576 0 obj <>stream 608 0 obj <>/Filter/FlateDecode/ID[<7EC2EE3EA1A25543863DE824C0F5AAE7>]/Index[572 1034]/Info 571 0 R/Length 208/Prev 759926/Root 573 0 R/Size 1606/Type/XRef/W[1 3 1]>>stream Edge investment advisory and other services rate of 2.00 % Jersey City, NJ 07302 800.637.7455 pre-and! 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