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The CERBS Group

Wealth Management
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Merrill Lynch
Wealth Management

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.


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.


*Solutions based upon the clients risk tolerance, time horizon, liquidity needs and overall investment goals

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 'Goals based planning,' 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 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 aligned to 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.


  • 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 on the manager’s experience, investment style and track record. (Past performance does not guarantee future results.)
  • Alternative Investments—Where appropriate, 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 in the best interests 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.-net-worth investors. 

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

*A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis [his/her] own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies.

*The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation.

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.


  • 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, liquidity needs, and the costs associated with the recommendation.
  • Dynamic, income-specific asset allocations and distribution strategies
  • Outcome measurement, tracking 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, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Ryan Thrower

Wealth Strategist


Chris J. Reilly

Employee Benefits Specialist

Bank of America, N.A.

Matthew Frady

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #485900

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.

Reviews to help you
stay on track

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

    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.


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

    Your advisor is a click away within our site or mobile apps

    You can 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’s asset aggregation tool

      Let’s Have a Conversation

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

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


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

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      Transcript of Video 

      No question too big or moment too small
      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      The Power of the Right Advisor®
      Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

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

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

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