Jeffrey Avagian offers a full range of services to high net worth individual investors and their families. He is action-oriented and provides objective investment advice to his clients. PROCESS His investment process begins with identifying a client's return objectives, time horizon, risk tolerance and near and long-term liquidity needs. Once this information is gathered and analyzed he determines an appropriate allocation among the traditional asset classes and implements an investment strategy. Portfolios are then monitored and adjusted with respect to changing market conditions and investor circumstances. RESEARCH His approach to portfolio management begins with the application of a rigorous research process. Before a single security is purchased or sold he employs this disciplined approach designed to incorporate diverse financial metrics. Individual stocks, bonds, mutual funds, annuities, life insurance, home financing, and lines of credit are among the strategies offered. SERVICE His team strives to provide personalized attention to clients' needs in the areas of wealth management. They strive to earn clients' trust and loyalty through superior communication, service, and long-term investment performance which allows clients to spend time doing what matters most to them. Jeffrey C. Avagian, Senior Vice President, Senior Financial Advisor, holds the Chartered Retirement Planning Counselor? designation. He received a Bachelor's Degree from Indiana University and a Masters in Business Administration from Baldwin Wallace University. He joined Merrill Lynch in 1997 and has over 28 years of experience in the financial services industry. Jeff, his wife and three daughters reside in Carmel, Indiana. *NMLS ID: 522288 *Asset Allocation does not ensure profit or protect against loss in declining markets. *Chartered Retirement Planning Counselor? and CRPC are registered service marks of the College for Financial Planning. 