HOMES HILL Group Private Wealth Management

Merrill Lynch

Collectively, our team has over 100 years of industry experience and with Merrill Lynch. We currently oversee $350 million

in assets for business owners, executives and wealthy families.

We run a boutique wealth management practice for a select group of professionals, business owners, and families.

Basically we manage all of our clients’ finances and investments. The areas we cover are Banking, Insurance,

Investments, Liabilities, and Trust Services. Frankly the greatest value we add to any relationship is that we ensure our

clients’ financial plans are implemented and their cash flow is secure.

HOMES HILL Group Life’s better when we’re connected

Garland R. Homes Jr. 252.399.2516

CIMA®

First Vice President – Wealth Management,/Wealth Management Advisor/Portfolio Manager, PIA Program

Garland joined Merrill Lynch in 1979 and has more than 30 years of financial services experience. He helps clients

construct, diversify and rebalance their portfolios and is responsible for the operational execution of trades. Garland's

areas of focus also include technical risk and cash flow analysis, as well as financial and income strategies. Garland

holds the Certified Investment Management Analyst® (CIMA®) designation. He earned a Bachelor's degree in Economics

from the University of North Carolina in Chapel Hill. Active in his community, Garland is a past president and board

member of Preservation of Wilson, a nonprofit organization involved in rehabilitating older neighborhoods, and served as

a senior warden in his church. He and his wife, Sandra, have three children, Garland III, Cameron and Lee, and reside in

Wilson.

Kenneth F. Hill 252.399.2509

CFP®, CRPC®

Senior Vice President – Wealth Management,/Wealth Management Advisor/Portfolio Manager, PIA Program

Ken has been in financial services since 1983 and continues to be motivated to help clients pursue their financial

objectives. After a successful career in private banking, he joined Merrill Lynch in 1998. Ken strives to build sustainable

lifetime income streams and risk management strategies that match the needs of his clients. Ken's areas of focus also

include liability management, insurance and alternative investment strategies, and he oversees the team's client service

model.

Ken holds the CERTIFIED FINANCIAL PLANNERTM (CFP®) designation, awarded by the Certified Financial Planner

Board of Standards, Inc. He also earned the Chartered Retirement Planning CounselorSM (CRPC®) designation. He holds

a Bachelor's degree in Business Administration from the University of North Carolina in Chapel Hill. Ken has served in

various community leadership positions, including president of the Wilson Rotary Club and chairman of the board of

trustees of Greenfield School. He is active in the Elks Club and his church. He and his wife, Kim, live in Wilson, and they

have a daughter, Kenan.

Life’s better when we’re connected

HOMES HILL Group Private Wealth Management

Merrill Lynch

HOMES HILL Group Life’s better when we’re connected

Kenneth Harlon Neal 252.399.2506

Senior Financial Advisor, Assistant Vice President , CRPC®

Harlon has been in the financial services industry since 1986 and continues to be motivated by helping clients pursue

their financial goals. After a successful career in banking and lending, he joined Merrill Lynch in 1999. Harlon has earned

the designation of Chartered Retirement Planning CounselorSM (CRPC®) ). He holds a Bachelor of Science degree in

Business Administration from East Carolina University. Harlon has served in various community leadership positions,

including President of the Kiwanis Club of Goldsboro, Lieutenant Governor for the Kiwanis District 14, and Wayne

Country Day School Board. He and his wife, Allison, live in Goldsboro, and have two children, Cody and Hannah

Nicholas E. LiVecchi 252.399.2545

Financial Advisor, CRPC®

Nick joined Merrill Lynch in January of 2011 and works as the teams client acquisition and communications

manager. Nick holds a Bachelor of Science degree from Rutgers University, Cook College of Environmental and

Biological Sciences, 2002. He also currently holds a Chartered Retirement Planning CounselorSM (CRPC®) designation

from the College for Financial Planning.

In his free time he serves as the internet chair for the Triangle Rutgers Alumni Association and is a regular volunteer for

Habitat for Humanity and the Food Bank of Central and Eastern North Carolina. Nick is a high energy individual with a

natural affinity towards helping others to reach their goals.

Life’s better when we’re connected

Homes Hill Group Private Wealth Management

Merrill Lynch

HOMES HILL Group Life’s better when we’re connected

Stephanie Batten 252.399.2537

Financial Advisor

Stephanie joined Merrill Lynch in 2013 and has been in financial services since 2001. She has extensive experience with

insurance, retirement planning, and cash flow management. She believes excellent service is from the client’s

perspective.

Stephanie earned a Bachelor’s degree in Mathematics from Campbell University. She is deeply committed to her family

and she enjoys music, the arts and gardening. Stephanie gives back to her community through volunteering and is most

proud to have received the Marcia Parker Volunteer Service Award, United Way’s highest award for dedication and

effectiveness, in 2001. She has served on various other local boards and committees and most especially enjoys projects

that foster the entrepreneurial spirit.

Linda S. Whitley, Registered Senior Client Associate 252.399.2503

Linda brings more than 27 years of experience to her role in The Homes Hill Group. She continually strives to

demonstrate a high level of energy and enthusiasm in her client service. Her responsibilities include coordinating client

meetings, opening and maintaining client accounts, executing trades for their financial advisors and much more. Linda

has three children and makes her home in Wilson.

Lisa Galperin, Client Associate 252.399.2528

Lisa joined Merrill Lynch in 2005 and has more than 25 years of customer service experience. She handles administrative

and account service for the team's clients. Lisa is dedicated to client service and is an efficient problem solver. She and

her husband, Greg, have two children and reside in Wilson.

Life’s better when we’re connected

Homes Hill Group Private Wealth Management

Merrill Lynch

HOMES HILL Group Life’s better when we’re connected

(These beliefs were taught to us over the years by many great mentors from different industries)

•What you do is more important than what you say you do.

•Do the right thing when no one else is looking.

•There are only two things you can control – your effort and your attitude.

•Unity is Strength, Knowledge is Power and Attitude is Everything!

•Don’t let Good stand in the way of Great!

•It is amazing how lucky you get when you work hard.

•Proper preparation prevents poor performance.

•When faced with a hard decision, act as if the whole world is watching. You will do what is right.

•Watch your thoughts; they become words. Watch your words; they become actions. Watch your

actions; they become habits. Watch your habits; they become character. Watch your character; it will

become your destiny.

Principles We Live By

HOMES HILL Group Life’s better when we’re connected

(These beliefs were taught to us over the years by many great mentors from different industries)

•Always think from the other persons perspective.

•Don’t whine, don’t complain, don’t make excuses…things turn out best for those who make the best

of the way things turn out.

•The willingness to work harder than your competition is more important than talent, intelligence and

luck in determining your level of success.

•Build a shelter against a rainy day by the life you live and you will never have to fear the storms of

tomorrow.

•Attitude of Gratitude: Focus on what we have instead of what we want.

•There is no growth in comfort.

•Whether you think you can or you can’t, you’re right.

•Stay Humble.

Principles We Live By

Continued…

HOMES HILL Group Life’s better when we’re connected

We Will Form a Strategic Relationship

With Your Other Advisors

HOMES HILL Group Life’s better when we’re connected

Client

Garland Homes

Ken Hill

Harlon Neal

Nick LiVecchi

Stephanie Batten

Linda Whitley

Lisa Galperin

Kelly Mullins

Group

Retirement

Solutions

Steve Mollies

Commercial

Solutions

Keith Belfi

Structured

Lending

Matt Cronlund

Banking

Solutions

MichaelSartor

Home Lending

Gary Martin

Philanthropy

Sue Stevens

Client

Services &

Solutions

David Work

Trust

Services

Dan Lengyl

Estate

Planning

Jocelyn Smith

Annuities &

Retirement

Services

Ryan Rouse

Structured

Solutions

Ken Finke

Managed

Solutions

(Our team is your personal CFO…We coordinate all the moving pieces

for you and your family)

HOMES HILL Group Life’s better when we’re connected

Investment

solutions

Concentrated

stock

management

Banking

and lending

Estate

planning

and trust

services

Philanthropy Family

office

Tax-

minimization

strategies

Discretionary and Non-Discretionary

Investment Strategies

Liquidity Management

Risk Management

Alternative Investments

Professionally Managed Accounts

Market Linked Investments

Hedging Strategies

Trust Solutions

Exchange Funds

Selling Programs

Block Trades

Equity Collared Position Strategies

Securities-Based Lending

International Financing

Sophisticated Deposit and Cash

Management Strategies

Custom Lending Solutions

Home Financing

Aircraft Financing

Personal Trust Services

Charitable Trusts and Foundations

Fiduciary Investment

Management

Trust Administration

Estate Planning

Estate Settlement and Administration

Services for Individual Trustees

Philanthropic Strategies

Charitable Grant-Making Solutions

Donor-Advised Funds and Foundation Consulting

Planned Giving Guidance and Management

Endowment Management and

Consulting

Compliance

Governance and Succession

Planning

Family Wealth Transition Consulting

Lifestyle and Concierge Services

Income Tax Preparation and

Consulting

Personalized Administration

Services

Financial and Consolidated

Reporting

Tax-Minimizing Concentrated Stock

Management

Tax-Efficient Investments

Tax-Advantaged Credit and Lending

Private Placement

Life Insurance

Tax Legislation Monitoring

Our Capabilities (Resources, expertise and capabilities that can be put to work on your behalf)

HOMES HILL Group Life’s better when we’re connected

• Serving over 70% of Forbes 400 families Global Wealth & Investment Management Clients as of April 2012

• Top-ranked wealth manager in the U.S. for the last 11 years Barron’s, 2001 – 2011

• BofA Merrill Lynch Global Research #1 global broker for 2012 based

on collective performance across all three award regions, StarMine,

June 2012

• BofA Merrill Lynch Global Research ranked as the top global research

firm for 2011, Institutional Investor, January 2012

• Award-winning research and analysts — BofA Merrill Lynch Global

Research Six regional and 138 individual analyst awards from Financial Times/StarMine

(June 2012), Institutional Investor (January 2012), and The Wall Street Journal

(May 2011)

• World’s top-ranked bank based on Tier 1 capital — Bank of America The Banker, 2011

• Over $400 billion in excess liquidity — Bank of America As of August 2011

Industry-recognized leadership

and achievement

HOMES HILL Group Life’s better when we’re connected

Our Capabilities

(Resources, expertise and capabilities that can be put to work on your behalf)

• Continuous portfolio monitoring reveals both risks and opportunities. We evaluate the performance of your holdings against the markets and recommend adjustments as market conditions, as well as your goals and objectives, evolve.

Statements and reports

Continuous Portfolio Monitoring and

Customized Reporting

HOMES HILL Group Life’s better when we’re connected

The Smith Family Wealth Plan

(sample of what we build for each family)

58% Equity, 37% Fixed Income, 5% Cash

$4,500,000

Total Portfolio

Globally Diversified

Discipline

Joint Acct

Cash

$250,000

5%

Joint Acct

Existing Equity Positions

$620,000

14%

Joint Acct

Tax Exempt

Fixed Income Discipline

$1,400,000

31%

Lindsey IRA

Mid Cap

Discipline

$285,000

6%

Greg IRA

US Equity

Sector

Discipline

$610,000

13%

Joint Acct

S&P 500 Discipline

$450,000

10%

Joint Acct

Income & Growth

Discipline

$800,000

17%

Joint Acct

Global Equity

Discipline

$250,000

5%