Negative reinforcement pushing the flavor (activity) of the month. No constancy in strategy to earn business. Managers don't listen to local talent for what works with their clients. Forced to use inefficient process & tools to monitor & micromanage. Managers focus on pushing orders from on high.

LT need to listen to their employees about what clients are looking for & need. They should provide more resources & decision making ability for local area leaders & employees. Banking centers & geographic areas have different clientele with unique needs. Ideas from up top don't factor this in.

Communication and focus on building a relationship with our clients. We need to take the time to understand what is most important to our clients and figure out the best way to help them with their needs. I think we do a great job of this but we can always improve.

Comp changes every year for the Bank & Merrill, increased goals & lower payout. B of A is continuously cutting our resources to acquire new clients & proved a level of service B of A & Merrill clients are accustom to & deserve. Banks under staffed & Merrill needs more CA's for producing/ growing FAs

A focus on taking care of clients. Look for a way to say "Yes" rather then look for the best way to provide a no. Everything is a procedure or disclosures focused on not getting sued instead of taking care of the client and build a relationship. Always pressure to focus on flavor of the month.