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The Williams Tomlin Group

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Merrill Lynch

The Williams Tomlin Group

Wealth Management Group

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Merrill Lynch
Wealth Management

"Our goal is for you to look to us as the financial advisor team that can provide insightful advice and guidance, serving you in a way that exceeds your expectations."

Harold Williams
Senior Vice President
Wealth Management Advisor

The Williams Tomlin Group

Building Lasting Relationships

Over the past 30 years, we have offered clients advice and guidance designed to help them pursue their goals and secure their financial future. The long-term relationships we've enjoyed both with clients and with Merrill Lynch Wealth Management are important to us and help define who we are. Our team strives to put clients' interests first, and we've been gratified by the loyalty they have shown us over the years.

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A Goals-Based Wealth Management Strategy

ASSET ALLOCATION
How your investment capital is apportioned among different asset classes — cash, stocks, bonds, for example — is critical. When we design an asset allocation framework for you, we consider your long-term goals, risk tolerance, needs for liquidity and income, time horizon and tax situation.

DIVERSIFICATION
This is an essential first step in helping to dampen your portfolio's volatility and smooth out its return pattern. We recommend diversifying across, as well as within, a range of asset classes and subclasses.

INVESTMENT SELECTION
We rely on well-researched model portfolios, including individual stocks and bonds (both taxable and tax advantaged), as well as fixed-income and equity mutual funds and cash and cash-equivalent securities.

DOWNSIDE RISK MANAGEMENT
A strong sell discipline is central to our risk management function. We try to prevent position losses beyond a specified percentage. We believe this is imperative because holding on to a declining position while waiting for it to recover can have a negative impact on your portfolio's overall performance.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. 

*This material does not take into account a client’s particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these services and their differences, speak with your Merrill Lynch Wealth Management Advisor.

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Earning Your Trust

We recognize that we strive to hold a position of trust, that trust is earned and that you look to us for guidance on matters that affect your life. When we help you structure your portfolio, we strive to optimize the expected return for the level of risk with which you are comfortable. We make it a priority to reach out to you and keep you informed.

The Williams Tomlin Group is your point of access to the Merrill Lynch Wealth Management products and services platform, one of the broadest and most flexible in the wealth management industry. Its open architecture enables us to offer you technologies, strategies and investment alternatives from an array of financial services providers. In helping you set and implement your wealth management strategy, we have at our disposal a number of powerful analytical tools and software programs at Merrill.

Managing and sustaining wealth in today's world can be complicated. We are committed to being consistent, practical and reliable, and we believe that our knowledge, insight, perspective and wisdom are the most important products we offer.

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Working with Affluent Families and Individuals

We work closely with affluent families and individuals coast to coast, including corporate executives, entrepreneurs and business owners who value our disciplined approach and professional perspective. We understand the demands and responsibilities of significant wealth, and we draw on our considerable experience to suggest customized strategies designed to address your unique circumstances.

We strive to understand your life goals and what may impact your finances in the long term. Many clients turn to us as they face transitions, such as selling a business or winding down a career. For people approaching or in retirement, we focus on income distribution. We believe that structuring investments and managing cash flow can be key to living well during retirement.

Recognition

Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.

James Tomlin

Forbes “Best-in-State Wealth Advisors”  2018, 2019, 2020

Harold Williams

Forbes “Best-in-State Wealth Advisors”  2019, 2020

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.

Melissa Sidor

Melissa Sidor

Trust Specialist

Bank of America, N.A.

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Joseph Purschke

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #414086

Jeffrey Hyman

Jeffrey Hyman

UHNW Insurance Specialist

Merrill Lynch

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.


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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 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.