Perspectives On: Value of Advice, Cyber Security and more

Insights to help you weigh what an advisor can do for you

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Find an advisor 05. 2020 Merrill Lynch Wealth Management Perspectives The Value of Financial Advice During Volatile Markets Working with an advisor can help you prepare for down markets—and stay grounded when they come. • Get the latest insights on what’s driving volatility    Explore here    Staying Cyber Secure New scams have recently emerged. Find out how you can stay safe.    Learn more    The Best Retirement Advice? Be Flexible Clients share their stories of unexpected challenges and the financial choices they made to adjust.    Listen now    Giving in a Changed World Read this Q&A for tips on helping those affected by the coronavirus.    Read more    Reader Resources Find the right advisor for you Why a Merrill Lynch advisor? Explore your goals Privacy & Security  • Legal Information  •  MLPF&S Financial Statement  •   ML.com If you prefer not to receive this newsletter in the future, please click here. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. 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 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 BofA Corp. Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Investment products, insurance and annuity products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity © 2020 Bank of America Corporation. All rights reserved. 3083931