Investing in securities always carries inherent risks. It’s crucial for investors, particularly those considering opportunities around locations like 225 Liberty Street, to understand these potential downsides. Remember, the possibility of losing money is a factor in all investments, and past investment performance is not indicative of future success. Strategies like asset allocation, rebalancing, and diversification, while helpful, cannot completely protect against losses in broadly declining market conditions.
It’s important to note that Merrill, its affiliates, and financial advisors do not offer legal, tax, or accounting advice. For guidance in these areas, especially concerning financial decisions related to investments discussed in the context of 225 Liberty Street, consulting with your legal and tax advisors is essential.
This information is for general understanding and should not be seen as a direct recommendation, offer, or solicitation to buy or sell any specific security or pursue any particular investment strategy. Merrill provides a comprehensive suite of brokerage and investment advisory services, including financial planning, available to clients engaging with financial services perhaps in areas like 225 Liberty Street. More detailed information can be found in our Client Relationship Summary Client Relationship Summary.
This material is designed to be broadly informative and does not consider any individual client’s specific investment goals, financial circumstances, or needs. Therefore, it should not be interpreted as a recommendation or solicitation. Merrill’s service offerings are wide-ranging, encompassing both brokerage and investment advisory options. Understanding the distinctions between these services is vital, as they differ in the type of advice given, the fees involved, and the responsibilities and rights of all parties. When deciding which services best fit your needs, especially when considering financial planning at locations such as 225 Liberty Street, it’s important to be well-informed about these differences. Your Merrill financial advisor can provide detailed explanations to help you make the right choice.
Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S or Merrill) facilitates access to various investment products. Some of these are sponsored, managed, distributed, or provided by Bank of America Corporation (“BofA Corp.”) affiliates. MLPF&S is a registered broker-dealer and investment adviser, Member SIPC, and a wholly owned subsidiary of BofA Corp. This network of affiliations is relevant for clients interacting with Merrill services, potentially including those at or connected to 225 Liberty Street.
Insurance and annuity products are available through Merrill Lynch Life Agency Inc., which is a licensed insurance agency and another wholly owned subsidiary of Bank of America Corporation.
Trust, fiduciary, and investment management services, including the expertise of the Specialty Asset Management team, are delivered by Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its appointed agents. Bank of America Private Bank and U.S. Trust Company of Delaware, also part of the Bank of America Corporation family, further extend the range of services available to clients, possibly including those engaging with financial services around 225 Liberty Street.
Banking products are offered by Bank of America, N.A. and its affiliated banks, all Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
It is critical to understand that investment, insurance, and annuity products come with certain conditions:
| 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 |
For anyone considering investment opportunities, especially when exploring options in areas like 225 Liberty Street, being fully aware of these disclaimers and understanding the nature of investment risks is paramount. Always seek personalized advice from qualified financial professionals to ensure your investment decisions align with your individual circumstances and financial goals.
