Travis Mudd, CEPA^®, CPFA, CFP^®
Merrill Lynch

Financial Services

Our team provides ongoing comprehensive financial advice and consultation for our clients. Our firm provides important oversight and fiduciary services for our clients as well as world-class investment and banking services.

At Merrill, we believe that your investments should be a reflection of you  your life, your priorities, your goals. One of the investment approaches available to you is the Merrill Lynch Investment Advisory Program. If the Merrill Lynch Investment Advisory Program is right for you, you will have access to personalized advice through your dedicated advisor. It offers you: A broad selection of investment solutions, including individual funds, equities and fixed income securities Access to strategies managed by us and from approved investment managers Ongoing monitoring of your investment advisory account Choice to maintain control of day-to-day investment decisions or delegate them to your advisor, Merrill or a third-party investment manager A customized and negotiated annual fee, based on your assets Access to tax efficient management overlay services we make available for eligible investment strategies, which seek to maximize the after-tax value of investments held in a taxable account

As Your Merrill advisor TJ will first help you to define the purpose of your wealth and then design and build a plan to help you achieve it. Heres what our process looks like: Discovery The most effective plan is the result of a trusting relationship, so we need to learn what matters most to you. Its more than just one conversationits a sharing, over time, of your values, life circumstances, family obligations and the causes that matter to you. Together, well identify the goals you want to move toward. Create a personalized plan Well identify specific solutions aligned with your goals and prioritize what to implement and when. If you have other professionals you rely on, such as an attorney or accountant, well consult with them to ensure all of us are moving in the same direction. Monitor and revise Your life isnt static, so neither is your plan. Well monitor your plan continuously. As your circumstances evolvea career change, a new child, an unforeseen health challenge, for examplewell adjust accordingly.

Get the tax benefits and flexibility you need to save for college Whether you're investing for a child, grandchild or even yourself, a 529 plan offers tax advantages, diverse investment options and high contribution limits to help you save for future higher education May be a good move for... Tax-free growth potential Federal (and often state) tax-free withdrawals for qualified higher education expenses1,2 Maintaining control over the account Making contributions without age or income restrictions