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The Ryan Group

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"We are a team of investment professionals who are committed to helping our clients identify and reach their investment goals."

—James T. Ryan
MANAGING DIRECTOR
PRIVATE WEALTH ADVISOR

We start with what’s important to you

We take the time to listen and learn about the needs and goals of your institution and the people it serves – it’s these real-world insights that guide our strategies and personalized service.

About Us

Mission

Our mission is simple: to help institutional investors pursue their goals through insightful investment guidance and thoughtful management of their financial assets.

Approach

We can offer boutique-like attentiveness and accessibility combined with the global perspective and industry experience of Bank of America Global Institutional Consulting. Our team is passionate about helping clients strengthen and grow their organization, and helping institutions fulfill their goals and missions. When you work with The Ryan Group, you can expect a high level of commitment, teamwork, personalized service and customized strategies.

Institutional Consulting

As a Bank of America Global Institutional Consultant, The Ryan Group is among a select group of highly qualified and credentialed consultants who can provide the in-depth knowledge and customized service and assistance institutional investors need to navigate today’s financial landscape and be responsive to evolving market trends.

Customized advice tailored to meet the needs of each client


"Institutional consulting requires a customized and focused strategy for every client. Our skills, experience and broad perspective equip us to work with diverse investment committees, executives, boards and trustees." 

Courtney Moore, CFP®, CIMA® | Senior Vice President | Private Wealth Advisor | Global Institutional Consultant
__________________________________________________________

Nonprofit Organizations, Private Foundations and Cultural Institutions


We help nonprofit organizations, private foundations and cultural institutions create customized and forward-thinking investment programs designed to support their mission, investment policy, spending policy and liquidity needs.

Hospitals and Healthcare Systems

We have been working with health care institutions since 1991. We recognize the importance of building and managing different portfolios for specific purposes within the operation of a hospital. We believe that liability-driven investing, compared to traditional investing, may be a valuable way for pension plans to stabilize funding through market cycles. We strive to help pension plans pursue more stability in funded status, required contributions and balance sheet impact.

Faith Based Organizations


We offer experience in helping values-based investors identify and examine areas of interest they might wish to address, including investments based on religious values, human rights, environmental quality and health care so we can build a solid portfolio of investments to support those beliefs.

Wealthy Families

We focus on providing wealthy families and future generations of these clients innovative strategies demanded by the complexities of their substantial wealth. We help integrate investment strategies that reflect the family's misson, fully align each family's financial goals with personal values and help implement long-term legacy considerations.






*Global Institutional Consulting (“GIC”) is part of the Global Wealth and Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly-owned banking affiliates of BofA Corp., including Bank of America, N.A. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a dually registered broker-dealer and investment adviser and member SIPC.
*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

Customized advice tailored to meet the needs of each client


"Institutional consulting requires a customized and focused strategy for every client. Our skills, experience and broad perspective equip us to work with diverse investment committees, executives, boards and trustees." 

Courtney Moore, CFP®, CIMA® | Senior Vice President | Private Wealth Advisor | Global Institutional Consultant
__________________________________________________________

Nonprofit Organizations, Private Foundations and Cultural Institutions


We help nonprofit organizations, private foundations and cultural institutions create customized and forward-thinking investment programs designed to support their mission, investment policy, spending policy and liquidity needs.

Hospitals and Healthcare Systems

We have been working with health care institutions since 1991. We recognize the importance of building and managing different portfolios for specific purposes within the operation of a hospital. We believe that liability-driven investing, compared to traditional investing, may be a valuable way for pension plans to stabilize funding through market cycles. We strive to help pension plans pursue more stability in funded status, required contributions and balance sheet impact.

Faith Based Organizations


We offer experience in helping values-based investors identify and examine areas of interest they might wish to address, including investments based on religious values, human rights, environmental quality and health care so we can build a solid portfolio of investments to support those beliefs.

Wealthy Families

We focus on providing wealthy families and future generations of these clients innovative strategies demanded by the complexities of their substantial wealth. We help integrate investment strategies that reflect the family's misson, fully align each family's financial goals with personal values and help implement long-term legacy considerations.






*Global Institutional Consulting (“GIC”) is part of the Global Wealth and Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly-owned banking affiliates of BofA Corp., including Bank of America, N.A. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a dually registered broker-dealer and investment adviser and member SIPC.
*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

Delivering a client-centric service model supported by a dedicated team

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 T Ryan

Barron’s Top 1,200 Financial Advisors in 2019 and 2020

Forbes “Best-in-State Wealth Advisors”  2019

Courtney Moore

Barron’s Top 1,200 Financial Advisors in 2019 and 2020

Barron’s “Top 50 Institutional Consultants” 2019

Forbes’ “America’s Top Women Wealth Advisors” 2019

Forbes “Best-in-State Wealth Advisors”  2019

We start with what’s important to you

At Bank of America, we take the time to listen and learn about the needs and goals of your institution and the people it serves – it’s these real-world insights that guide our strategies and personalized service.

Solutions for Institutions

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Helping institutions meet their investment needs

We put the resources and intellectual capital of Merrill to work for institutional clients like you by delivering thoughtful advice and sophisticated investment strategies through focused client-centric consulting. We help organizations like yours address today’s complex investment challenges through an integrated, goals-based investment process that enables them to redefine success, manage risk and help fulfill their missions.

Endowments, Foundations and Nonprofits

We understand the issues nonprofits, endowments and foundations address in funding their missions in an ever-changing financial climate. Drawing on the global resources of Bank of America Corporation and its affiliates, we offer insight, guidance and personalized service to help institutions develop and execute investment strategies focused on what matters most to them and the people they serve.

Impact investing and/or Environmental Social Governance (ESG) investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.

Investment Solutions

We provide access to a full suite of potential investment solutions for non-profit organizations, foundations, endowments and corporate retirement and pension plans. Our level of involvement is based on your preference — from traditional consulting, to client-directed implementation, to full discretionary outsourced CIO services. We work with your CFO, board  of directors and investment committee to develop a tailored investment strategy that is consistent with your culture, goals, preferences and risk profile.

Disciplined Investment Process

We follow a disciplined process that helps to address your organization’s changing needs and provides you with a potentially higher probability of achieving your long-term investment goals.

1

Investment Policy Statement Development and Review

Act as liaison between institutional clients and Merrill's Investment Policy Statement (IPS) service, which creates and modifies an IPS, based on the client’s investment goals and objectives.

2

Strategic Allocation Modeling

Customizable asset allocation based on the Chief Investment Office capital market assumptions.

3

Investment Manager Due Diligence

Recommend investment solutions leveraging Merrill's thorough and rigorous due diligence process.

4

Investment Manager Search and Selection

Advanced portfolio construction techniques combined with client specific objectives and Merrill's capital market guidance.

5

Portfolio Strategy

Leverage Merrill's global intellectual capital including tactical tilts to potentially help increase returns.

6

Performance Measurement

Review, quantify and evaluate performance to identify opportunities to refine the portfolio’s overall strategy, based on the Investment Policy Statement.

Defined benefit plans

Whether your defined benefit plan is an active part of your overall benefit offering, is closed to new participants, or fully frozen, Bank of  America's service model allows you to outsource the many administrative tasks associated with the maintenance of a pension plan to fulfill plan obligations and manage risk.

Key services include:
• Investment consulting service
• Open architecture investment management platform
• Liability driven investment implementation
• Actuarial services and discretionary investment management

1Advice Access is an investment advisory program sponsored by Merrill that uses a probabilistic approach to determine the likelihood that participants in the program may be able to achieve their specified annual retirement income goal and/or to identify a potential wealth outcome that could be realized. Additionally, the recommendations provided by Advice Access may include a higher level of investment risk than a participant may be personally comfortable with. Participants are strongly advised to consider their personal goals, overall risk tolerance, and retirement horizon before accepting any recommendations made by Advice Access. Participants should carefully review the explanation of the methodology used, including key assumptions and limitations, which is provided in the Advice Access disclosure document (ADV Part 2A) statement. It can be obtained through Benefits OnLine or through your representative.

IMPORTANT: The projections or other information shown in the Advice Access program regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Advice Access is an investment advisory program sponsored by Merrill. Merrill offers a broad range of brokerage, investment advisory 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. Please refer to the Advice Access disclosure document (ADV Part 2A), which is available through Benefits OnLine or a participant service representative, for information on the program including a description of the services and related fees.

Advice Access is only offered to defined contribution plans recordkept by Bank of America. For more information on plan eligibility speak to your Merrill advisor.

DCIC

Through our Defined Contribution Investment Consulting (DCIC) program 1 we can help you construct and maintain an appropriate investment menu and act as an ERISA 3(21) fiduciary 2 for your plan. Our Designated Advisors take the time to understand the needs of your organization and to work with you to develop an investment policy statement and investment menu aligned with your plan’s objectives. Your Designated Advisor remains actively involved with your plan with investment performance reports and advice and guidance as needed to help you manage investments over time.

1  Defined Contribution Investment Consulting (DCIC) is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S or “Merrill”). It is only available to defined contribution plans, typically with greater than $10 million in assets, for which an external provider serves as recordkeeper (plans with recordkeeping services provided through Merrill or Advisor Alliance are not eligible for DCIC), and subject to certain requirements. For more information on plan eligibility speak to your Merrill Designated Advisor.

2 The Merrill  DCIC Client Agreement and disclosure documents include information about the program, including Merrill’s fiduciary responsibilities pursuant to ERISA section 3(21). Final selection of all investments to be included in the defined contribution plan menu will ultimately be that of the client. Merrill will not advise upon any employer securities, including any employer stock fund, or with respect to any self-direct brokerage option, participant loan balances, in-plan retirement income options, custom funds or Bank of America or Merrill affiliated mutual funds or other affiliated products (including, without limitation, deposit products including Retirement Bank Account).

Additional resources for your organization

When you work with The Ryan Group, you benefit from the experience and knowledge we’ve gained from working with many institutions across the nation. We’ll bring all the latest thinking, insights and research from across Bank of America Corporation:

Bank of America Global Commercial Banking (GCB) provides a full range of commercial banking services to help your organization meet today’s challenges head- on and fuel sustainable growth. Bank of America specialists are committed to providing institutions like yours with banking solutions, including cash management and lending while investment solutions are provided by Merrill. GCB offers institutions solutions designed  to help increase cash flow, streamline benefits plans and expand geographically. GCB brings clients the full capabilities of Bank of America Corporation and its affiliates paired with local service.

Merrill Lynch Wealth Management (MLWM) provides access to market knowledge and financial experience. Merrill  can help your organization make decisions that are appropriate for its needs and goals. Our education and insights can help your organization understand what’s driving today’s markets and tomorrow’s potential global opportunities. MLWM serves clients across the wealth spectrum, with personal advisor relationships that helps each individual investor plan for and pursue their unique financial goals.

“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

We’re committed to a high standard

Putting clients’ interests first isn’t new, and this isn’t a one-time event. Our clients have been at the center of everything we do since Charles Merrill founded Merrill over a hundred years ago.

Solutions for Individuals

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A Commitment to Service

Merrill Private Wealth Management is committed to providing a select group of clients with highly personalized one-on-one service. When you work with us, our knowledgeable, rigorously trained private wealth advisors will gain a deep understanding of your goals, help you develop a multigenerational wealth strategy, and help you update your approach as needed. We are committed to providing you access to the investment insights of Merrill and the banking convenience of Bank of America, and Merrill will continue to invest in client tools and new technology to enhance your overall experience as you and your private wealth advisor pursue what’s most important to you.

Corporate Executives

We understand the complexities that come with your executive position and the extreme demands on your time. We can help you develop a customized strategy that your finances and compensation require. We can help with risk management strategies for your concentrated stock position while navigating complex SEC rules, trading restrictions and reporting requirements. If you’ve just been promoted and would like help evaluating your new compensation plan, or if you’re looking to develop a long-term financial strategy for you and your family — designed to enable you to live life as you want it, with reliable access to cash — we can help simplify your financial life, as well as develop new strategies as your career and goals evolve.

Foundations and Endowments

An investment portfolio tailored to your needs is crucial to advancing your organization’s mission and carrying on its important work. We have extensive experience working with endowments and foundations and have a keen understanding of the requirements and responsibilities of board and committee members for investment management and financial oversight. The portfolios we construct are carefully designed to promote stability, efficiency and growth, and to perform effectively under a variety of market conditions. We also offer advice on board governance and reporting, and help in meeting regulatory and operating challenges. We provide access to the customized services your organization needs with discretion and skill.

Intergenerational Family Wealth

As a family that spans multiple generations, you have needs that go beyond protecting and preserving assets, tax minimization strategies and designating heirs. Your goals also likely include passing on values and helping the next generation become effective stewards. We can help with personalized wealth transfer strategies, family wealth education and developing and implementing philanthropic visions. In working with you to create an approach that reflects your family’s intentions and helps ensure your assets are distributed according to your wishes, we proceed in a manner that recognizes the complexities of your life challenges and the unique nature of your goals. Our extensive experience working with other families of significant wealth helps  us to see and share best practices to help you achieve them.

Family Offices

 As private wealth advisors with Merrill Private Wealth Management, we work with prominent families to help them manage the ongoing complexities they face. Our deep experience with family offices enables us to tailor a range of services to help meet your specific needs. We can provide access to Merrill for investment and wealth management, and to Bank of America for governance, asset custody and administration, as well as assisting in the financial education of younger family members. In working with you to create and implement plans reflecting your specific intentions, our goal is to help your family enterprise succeed, and that your knowledge and values are passed along to the next generation. Together, we will focus on strategies that recognize the unique nature of your family’s mission, history and goals.

Women

As a woman, you are well aware of how inaccurate stereotypes about gender and money can be. Beyond some specific challenges — for example, planning for the statistical probability of outliving a spouse — managing your finances means avoiding preconceived assumptions while gaining a full understanding of who you are as an investor and what you want to achieve for your career, your family and your legacy. Merrill Private Wealth Management works with a select group of wealthy individuals and families to help them pursue the goals that matter most to them. We strive to get to know our clients on a personal level so we can offer boutique-like services and the resources of a global firm to create financial strategies specifically for their life and needs.

Company Founders, Private Business Owners & Entrepreneurs

When you have built your own business, your personal finances and the life of your company are closely intertwined. You may be thinking about how to invest in your company’s growth while also deciding how best to use your personal assets. Helping ensure the future of your business likely involves employee benefits, retirement plans and succession planning. Helping secure your family’s legacy could entail wealth transfer strategies, trusts and philanthropy. Whatever your specific needs, we at Merrill Private Wealth Management can help entrepreneurs and business owners balance their personal financial lives with their life’s work. We are dedicated in providing the experience and resources to help support your ongoing success.

Nonprofit organizations

Your passion drives your organization’s mission, and you depend on an investment portfolio and an effective staff to carry on its important work. As private wealth advisors with Merrill Private Wealth Management, we have experience working with nonprofit organizations. We possess a keen understanding of the challenges you face, including maintaining operational efficiency and productivity through uneven market circumstances, growing competition for donations, and increased fiduciary requirements. Drawing on our extensive capabilities to help you fulfill your organization’s mission, we can provide access to the customized services your organization needs with discretion and skill, such as strategic planning, portfolio management, administrative and board support, and advisory solutions.

Join us

Let’s Have a Conversation

There is no substitute for a one-on-one relationship with a Merrill financial advisor committed to your needs.

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