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18 DUNELAND TODAY SPRING 2025Sand Creek Village of Burns Harbor Coffee CreekThe best time to talk to a Merrill Advisor? Now.These markets %u2014 they%u2019re a wild ride. But we%u2019ve seen it before. And with a Merrill Advisor, you can do more than just hang on %u2014 you can charge forward. Backed by world-class insights. Cutting-edge technology. And a personalized plan to help you thrive. Don%u2019t just ride it out. Ride with the bull. Ride with Merrill.Merrill%u00a0Lynch, Pierce, Fenner & Smith Incorporated (also referred to as %u201cMLPF&S%u201d or %u201cMerrill%u201d) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank%u00a0of%u00a0America Corporation (%u201cBofA%u00a0Corp.%u201d). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA%u00a0Corp.Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose ValueThe Bull Symbol and Merrill are trademarks of Bank%u00a0of%u00a0America Corporation. CFP Board owns the marks CFP%u00ae, CERTIFIED FINANCIAL PLANNER%u2122, and CFP%u00ae (with plaque design) in the U.S.A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies.%u00a9 2023 Bank%u00a0of%u00a0America Corporation. All rights reserved. MAP5682628 | AD-10-23-0409 | 472845PM-0623 | 11/2023What would you like the power to do?Corey G. Hecht, CFP%u00aeFirst Vice President Wealth Management Advisor Portfolio Manager 219.738.4425 corey_hecht@ml.comMerrill%u00a0Lynch Wealth Management707 East 80th Place 4th Floor Merrillville, IN 46410fa.ml.com/corey_hecht