Bank of America Coronavirus Resource Center See details

The CERBS Group

push-top
Merrill lynch

The CERBS Group

Wealth Management

Introduce us to a friend

Learn more about an advisor's background on
FINRA's BrokerCheck

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.
mediahandler/media/
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.


CERBS_tab2_chart-jpg.jpg


*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 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 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.

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 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.

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, 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.

Matthew Frady

Matthew Frady

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #485900

Chris J. Reilly

Chris J. Reilly

Retirement Plan Specialist

Merrill Lynch

Ryan Thrower

Ryan Thrower

Trust Specialist

Bank of America, N.A.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic 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.


    Monitoring 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.

    Wealth Management Your Way

    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.


      Merrill_Capabilities_Brochure.png  

      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.

      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.