Bank of America Corporation

Empower clients to finance their investment properties efficiently.

Tailored financing solutions for acquiring yachts while maintaining wealth management goals.

Expert fiduciary services to streamline trust management for families and trustees.

Facilitating seamless wealth transfer through strategic trust management and planning.

Navigate complexities of wealth while achieving family goals through tailored guidance.

Gain control over your wealth with tailored family office services that streamline financial management.

Receive personalized investment management tailored to your goals and preferences.

Offers customizable investment management for high-net-worth individuals with complex financial needs.

Create a personalized investment strategy with expertly managed model portfolios.

Invest in competitive returns while promoting social and environmental impact through our sustainable investment strategies.

Expert advisors helping you safeguard your wealth for future generations.

Maximizes the value of equity compensation while ensuring compliance with regulations.

Streamline your giving strategy with tax-efficient contributions.

Maximize your art collection's value with expert consulting and strategic estate planning.

Comprehensive investment and advisory services for high‑net‑worth and ultra‑high‑net‑worth clients, including discretionary portfolio management, access to alternatives, tax‑efficient strategies, and personalized financial planning

Products: Private Wealth Services, Merrill Lynch Investment Advisory Program, Model Portfolios, Premium Access Strategies, Sustainable and Impact Investing, Strategic Wealth Advisory Group, Trusts and Wealth Transfer Planning, Executive Services

Services that consolidate family governance, household accounting, consolidated reporting, trust and estate administration, tax administration, and professional trustee oversight to support intergenerational wealth

Products: Family Office Services, Fiduciary Trust Solutions, Trusts and Wealth Transfer Planning, Strategic Wealth Advisory Group, Private Wealth Services

Lending and liquidity strategies that use nontraditional collateral such as commercial real estate, art, yachts, or securities to provide acquisition, construction, refinance, or customized liquidity facilities

Products: Commercial Real Estate Financing, Yacht Financing, Art Services

Philanthropic planning and gift administration including donor‑advised fund management, grant recommendations, tax‑efficient charitable strategies, and counsel for private philanthropy and institutional giving

Products: Donor-Advised Fund, Art Services, Strategic Wealth Advisory Group

Commercial Real Estate Financing

A lending solution that enables clients to acquire, refinance, or build investment properties. Real estate can also serve as collateral for a loan to provide liquidity for other investments, with guidance from a Private Wealth Advisor to evaluate options within a broader financial strategy.

• Enable Acquisition Of Properties
  Clients can access tailored financing solutions to successfully acquire new investment properties.
• Receive Tailored Financial Guidance
  Clients benefit from personalized advice on integrating real estate loans into comprehensive financial plans.
• Facilitate Property Development
  Clients are empowered to finance the construction of new investment properties to expand their investment portfolio.
• Optimize Existing Financing
  Clients can unlock better financing terms through strategic refinancing of their investment properties.
• Leverage Property For Liquidity
  Clients can access liquidity by using their commercial real estate assets as collateral for loans.

Yacht Financing

A lending option within private wealth services that provides financing for purchasing yachts as part of an overall wealth plan, supported by advisor guidance.

• Receive Personalized Advisor Support
  Clients work closely with experienced advisors who provide tailored guidance throughout the financing process, ensuring alignment with wealth management objectives.
• Access Tailored Loan Terms
  Clients can secure yacht financing that aligns with their broader financial strategies, allowing for liquidity while minimizing premium disruptions.
• Leverage Investments for Financing
  This feature allows clients to maintain liquid assets while financing significant purchases such as yachts, optimizing their investment strategy.
• Minimize Tax Impact
  Implement tax-efficient strategies that ensure yacht purchases do not adversely affect clients' overall financial situation, preserving wealth over time.

Fiduciary Trust Solutions

Corporate and private fiduciary services designed to reduce the burden of wealth management for families and trustees. Includes comprehensive fiduciary investment capabilities, estate administration, and trustee support.

• Expert Investment Management
  Our team offers detailed investment strategies tailored to trust objectives, maximizing the growth of trust assets.
• Facilitate Trust Distributions
  We manage the timely and accurate distribution of trust assets to beneficiaries, ensuring compliance and adherence to trust terms.
• Professional Trustee Oversight
  Our corporate trustee services ensure that trust management adheres to the highest fiduciary standards for long-term client benefits.
• Balance Competing Interests
  Our fiduciary advisors ensure that all beneficiary interests are fairly represented, facilitating smooth management and distribution processes.
• Efficient Estate Settlement
  We manage the entire estate settlement process, minimizing complexities and ensuring compliance with legal requirements.
• Comprehensive Recordkeeping
  We ensure that all transactions and performance metrics are meticulously recorded and easily accessible for review.
• Streamlined Tax Preparation
  Our fiduciary services include handling all tax documentation and filing responsibilities related to trust assets to ensure compliance.

Trusts and Wealth Transfer Planning

Planning services to optimize the transfer of wealth across generations, including trusts, legacy planning and related strategies.

• Manage Trust Assets
  Ensure effective management and distribution of trust assets in alignment with your wishes.
• Reduce Estate Tax Burden
  Decrease the financial impact of estate taxes on your heirs, maximizing the wealth passed on.
• Establish Values-Based Legacy
  Shape how your wealth is used to benefit future generations while aligning with your personal values.
• Customize Wealth Plans
  Develop individualized plans that cater to complex family needs and aspirations.
• Utilize Diverse Trusts
  Leverage various trust options to optimize wealth distribution and tax efficiency.

Private Wealth Services

Craft a strategy designed to sustain and grow wealth, help achieve family goals and preserve a shared vision across generations, delivered through Merrill Private Wealth Management.

• Implement Cohesive Strategies
  The group helps clients align financial and legacy goals through custom strategies managing tax implications and risk.
• Develop Skills Across Generations
  Educational programs focus on equipping children with financial skills to manage inherited wealth effectively.
• Align Financial and Personal Aspirations
  Allows families to articulate their goals for wealth and its impact on future generations.
• Gain Greater Control Over Wealth
  These services help families manage complex financial affairs and provide clarity on their overall wealth.

Family Office Services

Comprehensive services to help families organize, manage, and report on wealth, including governance support, consolidated reporting, and expense management.

• Strengthen Family Governance
  Our governance support helps families define core values and establish processes to facilitate informed decision-making, ensuring alignment across generations.
• Streamline Household Finances
  Our comprehensive accounting services simplify financial management by handling bill payments, payroll, and personal expense management, allowing you to focus on other priorities.
• Navigate Tax Complexities
  Our expert tax services ensure compliance and minimize liabilities, providing support for tax administration and strategic planning tailored to your family's financial situation.
• Understand Your Wealth
  Our custom financial reporting services allow you to see a clear and comprehensive view of your assets, enabling informed decisions and strategic planning.
• Enhance Financial Coordination
  We provide expert consulting and administration to coordinate your family's financial matters, ensuring clarity and continuity in management.

Merrill Lynch Investment Advisory Program

A Merrill Private Wealth offering providing professional investment management and direct ownership of underlying investments, with tailored advisory services for high-net-worth clients.

• Gain Access To Expert Management
  Benefit from insights and strategies developed by experts, ensuring your portfolio aligns with market conditions and investment goals.
• Receive Tailored Investment Advice
  Work closely with your advisor to develop a strategy that reflects your personal values and financial objectives.
• Optimize Your Tax Impact
  Engage in investment strategies that aim to reduce your tax obligations, maximizing your overall returns.
• Ensure Continuous Alignment
  Receive consistent assessments of your investment portfolio to adapt to changing market dynamics and personal goals.
• Diversify With Alternatives
  Explore alternative investment opportunities that can potentially enhance returns and minimize risk.

Premium Access Strategies

A personalized, integrated set of investment strategies for high-net-worth clients requiring enhanced customization and professional management.

• Achieve Tailored Investment Solutions
  Request specific portfolio adjustments to meet unique financial aspirations.
• Connect With Investment Experts
  Engage with top-tier investment professionals for insights and portfolio strategies.
• Benefit From Flexible Fee Structures
  Align costs with service expectations through tailored fee agreements.

Model Portfolios

Portfolios professionally managed by the Chief Investment Office and leading investment managers, offered as part of Merrill Private Wealth Investment offerings.

• Gain Expert Management
  Combines the insights of experienced investment professionals with ongoing due diligence to optimize performance.
• Create Your Blueprint
  Your financial architect guides you through investments based on your unique aspirations and future needs.
• Ensure Ongoing Discipline
  Dedicated teams actively monitor portfolios for optimal asset allocation and performance adjustments.
• Enhance Portfolio Resilience
  Model portfolios utilize diverse investment strategies to mitigate risk and maximize return potential.

Sustainable and Impact Investing

Investing approach that combines sustainability analysis with traditional financial research to identify opportunities and manage risk, aligning investments with personal values.

• Align Investments With Values
  Utilize a framework that assesses social responsibility and environmental sustainability, ensuring your investments reflect your personal values.
• Integrate Sustainability Data
  Leverage rigorous evaluations to select investments that are not only financially viable but also socially responsible, potentially enhancing portfolio resilience.
• Invest In Social Solutions
  Target opportunities in sectors such as renewable energy, healthcare, and sustainable agriculture, contributing to meaningful societal advancements while aiming for financial growth.
• Tailor Your Investments
  Work with advisors to create investment plans that align with personal sustainability and impact goals, enhancing both investment performance and social responsibility.

Strategic Wealth Advisory Group

Advisory team providing objective insights to align financial and estate goals, minimize transfer taxes, and coordinate wealth transfer strategies across generations.

• Align Financial And Estate Goals
  Collaborate with advisors to ensure your financial strategies reflect your family’s values and aspirations.
• Manage Financial Risks Efficiently
  Implement strategies that safeguard your assets from creditors and mismanagement while ensuring privacy.
• Minimize Transfer Taxes
  Employ strategies that effectively reduce tax liabilities during wealth transfer to maximize estate value.
• Strategize Business Success
  Get guidance on optimizing business transactions while addressing tax and transfer strategies.
• Facilitate Family Bonding Through Giving
  Develop philanthropic strategies that align with your family's shared values and community engagement.

Executive Services

Specialized support to manage executives' wealth, including compensation planning and reporting requirements for equity compensation and concentrated positions.

• Plan Trades In Advance
  Helps executives sell stocks in a structured manner, conforming to regulations, thereby enhancing financial security.
• Manage Concentrated Stock Risks
  Utilize strategies to diversify holdings, mitigate risks, and ensure liquidity, optimizing long-term financial health.
• Enhance Execution Quality
  Maximize trade performance through strategic coordination, reducing the effects of block trade size on market prices.
• Simplify SEC Reporting
  Provides timely trade notifications and assistance with regulatory filings, ensuring adherence to legal requirements.

Donor-Advised Fund

The Bank of America Charitable Gift Fund offers a flexible and dynamic way to contribute to your favorite charities organized in a tax-efficient manner. With the option to invest contributions for growth, donors can streamline their charitable giving and have an impactful philanthropic strategy.

• Get Immediate Tax Deductions
  Donors can take advantage of higher tax deduction limits with donor-advised funds, enhancing the overall giving experience.
• Select From Various Investment Options
  Donors can select investment strategies that reflect personal values, maximizing potential for growth while benefiting charitable causes.
• Contribute Complex Assets
  Expand your giving potential by donating complex assets, thereby maximizing tax efficiency and charitable impact.
• Make Flexible Grant Recommendations
  Easily direct donations to causes that matter most to you, with the option to maintain anonymity or receive recognition.
• Reduce Administrative Burden
  Enjoy worry-free giving as all necessary paperwork and reporting are managed efficiently by the Charitable Gift Fund.

Art Services

Bank of America's Art Services help collectors manage their art collections effectively. The offering focuses on liquidity solutions, consulting, consignment, strategic planning, philanthropy, and insights into market trends. Clients can use art as collateral for financing, receive consulting for building and refining collections, and get tailored guidance on estate planning and philanthropic endeavors. Engaging with experienced specialists ensures that every aspect of art collection is strategically managed for maximum impact and value.

• Tax and Philanthropy Planning
  Our strategists help balance taxes with your wealth transfer and philanthropic goals when planning your art legacy.
• Use Art As Collateral
  Clients can finance business objectives or philanthropic projects while retaining their art without disruption.
• Private Philanthropy Management
  Leverage our expertise to create impactful philanthropic strategies that align with your values.
• Tailored Consulting Services
  Expert guidance for acquiring, refining, or selling art collections, ensuring optimal market positioning.
• Art Market Insights
  Stay informed on trends and tax implications affecting art collections through our detailed reports.