Financial Planning Client Relationship

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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.

Bank of America, Merrill, their affiliates and advisors do not

provide legal, tax or accounting advice. Clients should

consult their legal and/or tax advisors before making any

financial decisions.

Merrill offers a broad range of brokerage, investment

advisory (including financial planning) and other services.

Additional information is available in our Client Relationship

Summary.

Merrill lunch Pierce Fanner & Smith Incarnorated (alea

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