Merrill Financial Associates is an independent boutique investment firm with decades of experience. As such, we understand how complex and frightening the world of investing can be for people. Our purpose is to help our clients feel confident about their financial future. Investments are not FDIC-or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser. Review our Terms of Use here: www.commonwealth.com/termsofuse.html