Focused on helping you pursue your financial goals

For more than 25 years, the Burns Nowakowski Group has assisted individuals and their families, tailoring our advice and offering each client personalized guidance in pursuing their goals. Our team is proficient in assisting businesses and organizations with their needs, as well as offering access to financing and cash management through Bank of America.Paul Nowakowski and Michael Burns are also Retirement Benefits Consultants and manage 401(k) relationships with various corporations, labor organizations, and their affiliates.

Paul Nowakowski, CFP®Senior Vice PresidentWealth Management Advisor716.849.2087paul_nowakowski@ml.com

Michael W. Burns, C(k)P®, CFP®Senior Vice PresidentWealth Management Advisor716.849.2163michael_burns@ml.com

Sally E. McMahon, CRPC®Assistant Vice PresidentAnalyst-Investments716.849.2134sally_mcmahon@ml.com

Michael Lopian, CRPC®, CRPS®Assistant Vice PresidentFinancial Advisor716.849.2051michael_lopian@ml.com

Julius Tamasy Financial Advisor716.849.2005julius.tamasy@ml.com

Michelle Wojtowicz Client Associate716.849.2055michelle_wojtowicz@ml.com

Amanda Velarde Registered Client Associate716.849.2150amanda.velarde@ml.com

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation (“BofA Corp.”).Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. (“MLLA”), a licensed insurance agency.Bank of America, N.A., and MLLA are wholly owned subsidiaries of BofA Corp.Banking, mortgage and home equity products are offered by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Are Not Deposits Are Not Insured by Any Federal Government Agency

Are Not a Condition to Any Banking Service or Activity

MLPF&S and Bank of America, N.A., make available investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp.

Burns Nowakowski GroupWealth Management Group50 Fountain Plaza, Key Tower Suite 1100 Buffalo, NY 14202716.849.2087, www.fa.ml.com/burns_nowakowski

Taking care of your family and other people in your lifen Trust & Estate Services2 n Education Funding Strategies1

n Insurance3

Planning for health care expenses now and in the futuren Long-term Care Insurance3 n Health Savings Account2

n Disability Insurance3

Upsizing, downsizing or buying a vacation homen Home Loans2 n Home Equity Lines of Credit2

n Securities-Based Lending2 n Credit Cards2

Working in retirement, selling or starting a businessn Bank of America Business Banking2 n Exchange Funds1

n Concentrated Stock Management1 n Succession Planning1

Spending your free time in meaningful waysn Credit Cards2 n Securities-Based Lending2

n Structured Lending2

Volunteering, mentoring others and giving to charitiesn Donor-Advised Funds2 n Private Foundations2

n Charitable Trusts2

Using your finances to bring it all togethern Bank of America Checking and Savings Accounts2

n Credit Cards2 n Online Account Access1, 2 n Merrill LynchInvestment Accounts1 n Investment Advisory Accounts1

n Alternative Investments1 n Impact Portfolios1

n Market-Linked Investments1 n Securities-Based Lending2

n Margin1 n Home Loans2 n Exchange-Traded Funds1 n Mutual Funds1 n Closed-end funds1 n Fixed-Income Products1 n Options1 n Annuities3

Periodic monitoring and reviewsn Financial Planning1 n Asset information and measurement1

n Access to information online1,2 n Client Reviews1

n Statements1, 2

Offering you access to the investing insights of Merrill Lynch and the banking convenience of Bank of America to help you pursue your goals

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.2 Banking, mortgage and home equity products are offered by Bank of America, N.A.3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

© 2018 Bank of America Corporation. All rights reserved.  |  AR5CKDQR  |  MLWM-126-FS  |  05/2018

Investing involves risk, including loss of principal.

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Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making anyfinancial decisions. Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Bank of America Merrill Lynch is a marketing name for the Retirement Services business of Bank of America Corporation (“BofA Corp.”). Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., member FDIC. Brokerage services may be performed by wholly owned brokerage affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer and member SIPC. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNERTM in the U.S. C(k)P® and Certified 401(k) Professional® are registered trademarks of The Retirement Advisor University, Inc. CRPC® and Chartered Retirement Planning CounselorSM and CRPS® and Chartered Retirement Plans SpecialistSM are registered service marks of the College for Financial Planning. The Bull Symbol and Merrill Lynch are registered trademarks or trademarks of Bank of America Corporation.