PROVIDING CUSTOMIZED FINANCIAL ADVICE AND PROACTIVE STRATEGIES IN A COMPLEX WORLD Mark Cremonni joined Merrill as a financial advisor in October, 1980. His focus is on developing strategies for high-net-worth individuals, their families, and their businesses to help them meet their short and long-term financial goals. Mark's approach to wealth management is consultative, objective, and committed to excellence. First, he takes the time to listen to and review client financial situations, preferences and goals. Second, he offers recommendations for asset allocations designed to accurately reflect each client's income and growth expectations. And third, he follows up with discussions covering a wide range of opportunities, including investments, retirement, estate planning services and philanthropy. As part of the Merrill Investment Advisory Program, Mark has the flexibility to move quickly to make thoughtful changes to a client's portfolio, if the client chooses to give him that discretionary option. He also holds a CRPC certificate, awarded by the College For Financial Planning, and was awarded Accredited Domestic Partner AdvisorSM designation in December, 2013. Mark is a lifelong NJ resident, graduated from Moravian College in Bethlehem, PA in 1979. He holds Series 7, 63, 8, and 3 registrations. He is a member of the Finance Committee at St. John's Church Feed the Hungry Soup Kitchen in Newark, NJ. Disclosures: Asset allocation does not ensure a profit or protect against loss in a declining market; ADPA , Accredited Domestic Partner Advisor SM, CRPC and Chartered Retirement Planning Counselor SM are registered service marks of the College for Financial Planning.