Your wealth and your goals deserve an individualized strategy

For many years, the goal of The PVG Group has been to provide financial advice, objective guidance and prudent investment management to high-net-worth clients. Our familiarity with the challenges of significant wealth, combined with the vast Merrill Lynch platform of services and systems capabilities, provide you with a one-stop resource to address nearly every financial need — large and small.

We take a holistic approach that addresses your current financial situation, interim goals and long-term investment strategies. Our capabilities include strategies for wealth accumulation and asset preservation, wealth transfer and distribution, charitable giving, managing concentrated stock, tax minimization and much more.

Our disciplined process of wealth management is not just about investments, estate planning needs and education savings planning. It is about you.

You are the focus of our wealth management process

Wealth management is a disciplined, step-by-step process — not a single transaction, or even a series of transactions. Your vision of the future — what you want your life to be like, what is most important to you — is the cornerstone of the process.

We work with you to define your objectives, expectations, hopes and concerns in the context of your time horizon, then use them to develop individualized strategies designed to address the many aspects of your financial life.

Together, we create goals for each investment vehicle, including trusts, foundations, endowments and family limited partnership portfolios that we oversee for you. They provide a standard against which we can chart progress toward your goals. Our mission is to help you fulfill your dreams by helping you grow, preserve and transition wealth.

A well-thought-out wealth management process can lead to greater opportunities

Our experience has been that crafting a precise but flexible investment strategy — customized to your financial objectives — is helpful and practical. Your strategy takes into account individualized criteria such as:

	Return objectives
	Time horizon
	Need for liquidity/income
	Current cash flow and terminal value goals
	Tolerance for risk and investment temperament
	Legal, tax and regulatory considerations.

Diversification — among and within asset classes — is an important principle to us. Because of Merrill Lynch's robust platform of financial products, services and systems, we can offer you access to a broad range of investment solutions and professionally managed asset classes.

Professional solutions for managing your portfolio

Leveraging the resources of Merrill Lynch's Investment Management Group, we offer discretionary portfolio management through the Merrill Lynch Personal Investment Advisory^® (PIA) Program. The PIA Program is designed to meet each client's individual needs and is delivered through a specially qualified Merrill Lynch Financial Advisor. Your PIA account is invested in a portfolio strategy created in accordance with your goals, investment objectives, time horizon, and risk tolerance and may include stocks, bonds and other appropriate investment vehicles.

Discretionary portfolio management allows your specially qualified Financial Advisor to manage your portfolio, reallocating assets and adjusting your holdings as necessary in response to changes in market conditions, your investment objectives or financial circumstances.

Many clients choose to utilize the PIA Program. Others may benefit from a hybrid approach utilizing our PIA management coupled with third-party investment managers. Both approaches can be used together or separately to provide added flexibility to individualize your portfolio.

Our multidimensional team is thorough, deep, and caring

The PVG Group strives to establish long-lasting client relationships that span generations. The solutions we bring to you reflect the collective knowledge and experience of our team.

The senior members of our group — Larry Prutch, Cengiz Volkan and Alan Goldstein — collectively have 97 years of financial services experience. Four Client Associates complete the group. Clients are our most important asset, and our professional team of administrative personnel is committed to attentive, high-value-added service.

In addition, we are able to access an extensive network of internal specialists focused on solutions for high-net-worth individuals, families, family offices, and endowments and foundations. Our team, with access to the expansive resources of Bank of America Corporation, can move quickly and efficiently to address your many financial needs.