The CERBS Group

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Merrill lynch

The CERBS Group

Wealth Management

Introduce us to a friend

Together, we can clarify your goals and help bring the various aspects of your financial life into one cohesive structure. Once you understand the motivations that drive your decisions, it’s easier to stay on track toward your objectives.

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Dedicated to the needs of affluent clients

The CERBS Group brings you the talent and skill of a highly experienced wealth management team. We can offer customized advice and guidance to those clients who need it most, showing you a different approach to what you might have experienced elsewhere. Our process builds on your goals and personality to help bring the various aspects of your financial life into one cohesive structure. What’s more, our work with you can help you understand the motivations that drive your financial decisions.

Our individualized wealth management strategies are designed to help prominent business owners and entrepreneurs, medical and legal professionals, and corporate executives.


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Wealth creation needs effective management

Many of the clients we work with are still actively accumulating wealth through equity compensation or through investment growth. Our team is experienced in helping high-income families develop income strategies that take into account current spending needs, while simultaneously creating actively managed investment portfolios with the potential to grow over time.

New clients are often surprised to hear us describe the aspect of our approach known as 'wealth coaching,' which addresses wealth creation, preservation, distribution and transfer. Our years of experience in working with affluent families have given us a deep insight into the behaviors that can lead to a more optimal financial journey.

  • Focus on two key matters: the quality of your life today and tomorrow
  • Help you understand your financial journey and pursue the kind of life you want in retirement
  • Focus on balancing what's needed now while preserving and strategizing for later years
  • Offer guidance designed to optimize resources and lifestyle

Sophisticated strategies for families

The CERBS Group considers your investment portfolios from a perspective of steady refinement, looking to pinpoint potential wherever we can. In recommending dynamic portfolios, we look for investment strategies that can respond quickly to market opportunities and events as needed. Additionally, we focus on the range of asset allocations that we believe you’ll find suitable for your risk tolerance, time horizon, liquidity needs and objectives. From market evaluation to asset selection to fund allocation, The CERBS Group follows a disciplined process that considers economic conditions, taxes and overall risk.

SERVICES WE CAN OFFER

  • Discretionary portfolio management—If you choose to use our discretionary services, you can delegate day-to-day management of the account to qualified portfolio manager, William Baxley, who can tailor strategies to your individual needs and goals.
  • Fixed-income investments—Whether you’re seeking preservation, additional income or tax-minimization strategies, we can help.
  • Separately managed accounts—Where warranted, we may suggest a separate account handled by a third-party private asset manager. We select managers based on extensive due diligence and research from Merrill Lynch on the manager’s experience, investment style and track record. (Past performance does not guarantee future results.)
  • Alternative Investments—Where suitable, we may also recommend alternative investments.
  • Annuities—For investors seeking consistent, reliable income, we may suggest purchasing an annuity. There are various types of annuity products available, offered through well-known providers.


*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

What kind of retirement outcome do you want?

If you are like most clients we work with, you have a retirement dream. No matter what your vision, however, chances are you’ll need significant income to maintain your lifestyle in retirement. We know from experience that helping you set realistic goals is a critical first step. Together we can look at highly advanced models that enable you to examine a variety of investment scenarios under varying market conditions and then evaluate your probability of specific goals.

During the "accumulation phase" of your investing life, we strive to recommend portfolios that have the potential to offer the highest level of return for a given level of risk. At some point near or in retirement, clients usually call on us to recommend income portfolios. We call this the "financial turning point." It’s where we turn our focus from building and maintaining an asset structure to using those assets to produce the monthly income you’ll need to live the way you want.

HOW WE APPROACH YOUR "FINANCIAL TURNING POINT"

  • Consideration for total balance sheet and cash flow
  • Customized spending- and tolerance-based risk assessments
  • Investment tactics defined by life events and milestones, risk tolerance, time horizons, objectives and liquidity needs
  • Dynamic, income-specific asset allocations and distribution strategies
  • Outcome measurement, monitoring and course correction as needed

  • We are committed to enhancing the lives of clients. We educate and inform. We listen—and we take the time to understand your goals and dreams.The CERBS Group

Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

John W Collier

John W Collier

Wealth Management Advisor

478.471.4130
Whitney T Evans

Whitney T Evans

Senior Resident Director - Wealth Management Advisor

478.471.4100
John P Reehling

John P Reehling

Wealth Management Advisor

478.471.4168
William W Baxley

William W Baxley

Wealth Management Advisor

478.471.4143
Randy  Stephens

Randy Stephens

Senior Financial Advisor

478.471.4132
Kevin  Frounfelker

Kevin Frounfelker

Wealth Management Advisor

478.471.4184
Shirley M Colvin

Shirley M Colvin

Registered RD Assistant

478.471.4115
Ingrid G Wells

Ingrid G Wells

Registered Senior Client Associate

478.471.4119

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • Manage account security with our customizable security capabilities such as touch id, one time passcode, and other security features
  • Access to your complete financial life is available with My Financial Picture, Merrill Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


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We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





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Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.