Investing in the securities market offers pathways to financial growth, but it’s crucial to acknowledge the inherent risks involved. At Merrill Lynch, located at 101 Hudson Street and beyond, we believe in empowering our clients with the knowledge necessary to make informed investment decisions. It’s important to understand that all investments carry risk, and you could potentially lose money. Past investment performance is not indicative of future success. Strategies like asset allocation, rebalancing, and diversification are designed to manage risk but do not guarantee protection against losses in declining markets.
Merrill Lynch, along with its affiliates and financial advisors, operates under the principle of providing comprehensive financial guidance, but it’s essential to note that we do not offer legal, tax, or accounting advice. For these specialized areas, we strongly recommend consulting with your legal and tax advisors before making any financial decisions. Our commitment at locations like 101 Hudson Street is to provide clarity and support within our realm of expertise.
This information is for informational purposes only and should not be considered a recommendation or solicitation to buy or sell any particular security or pursue any specific investment strategy. Merrill Lynch provides a wide array of services, including brokerage and investment advisory services, encompassing financial planning to meet your diverse financial needs. For a detailed overview of our client relationships, we encourage you to review our Client Relationship Summary available at Client Relationship Summary. This summary offers valuable insights into how we work with our clients and is part of our commitment to transparency at every Merrill Lynch location, including 101 Hudson Street.
It’s vital to understand that the information provided here does not take into account your individual investment objectives, financial circumstances, or specific needs. Therefore, it should not be interpreted as a personalized recommendation for any security or investment approach. Merrill Lynch distinguishes between brokerage and investment advisory services, which differ in the type of advice offered, fee structures, and the responsibilities of each party. Understanding these differences is crucial when choosing the services that best align with your financial goals. We encourage you to discuss these distinctions with a Merrill Lynch financial advisor, especially at a convenient location such as 101 Hudson Street, to ensure you make well-informed choices.
Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), also known as Merrill, partners with affiliated companies of Bank of America Corporation (BofA Corp.) to bring you a range of investment products. As a registered broker-dealer and investment adviser, and a member of SIPC (Member SIPC), MLPF&S operates as a wholly-owned subsidiary of BofA Corp. This structure allows us to offer a broad spectrum of financial solutions while adhering to strict regulatory standards.
For insurance and annuity products, Merrill Lynch Life Agency Inc., a licensed insurance agency and another wholly-owned subsidiary of Bank of America Corporation, is at your service. This allows us to integrate insurance and annuity solutions into your broader financial plan when appropriate.
Trust, fiduciary, and investment management services, including the specialized expertise of our Specialty Asset Management team, are delivered by Bank of America, N.A., Member FDIC, and also a wholly-owned subsidiary of Bank of America Corporation, along with its agents. Bank of America Private Bank operates as a division of Bank of America, N.A., further extending the comprehensive financial services available. U.S. Trust Company of Delaware, also under the Bank of America Corporation umbrella, contributes to our wide range of offerings. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC, all wholly-owned subsidiaries of Bank of America Corporation. This robust corporate structure ensures a wide range of financial services are available to meet your needs, all while maintaining the high standards you expect from Merrill Lynch.
When considering investment, insurance, and annuity products, please remember these key points:
| Important Considerations | Key Understandings | Risk Disclosure |
|---|---|---|
| Not FDIC Insured | Not Bank Guaranteed | May Lose Value |
| Not Deposits | Not Insured by Any Federal Government Agency | Not a Condition to Any Banking Service or Activity |
Alt text: Merrill Lynch office building at 101 Hudson Street, a location providing financial services and investment guidance.
At Merrill Lynch, including our offices at 101 Hudson Street, we are dedicated to helping you navigate the complexities of investing. Understanding both the potential and the risks is a cornerstone of sound financial planning. We encourage you to reach out to a financial advisor to discuss your personal financial situation and investment goals.
