Homes Hill 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.

Bryan M Carter

Bryan M Carter

Credit Consultant, NMLS # 67214

Megan (MJ) Coggin

Megan (MJ) Coggin

Wealth Management Banking Specialist

Timothy Steven Phillips

Timothy Steven Phillips

Trust Specialist

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Trust, Integrity and Commitment - It's all about you.

Formed in 2001, the Homes Hill Group has over 110 years of combined financial services experience. We help create and implement customized goals-based strategies for every stage of clients' financial lives, whether it is helping to build or preserve their wealth, or making a road map for passing it along to future generations.

We guide clients through a variety of wealth management topics, including investments, estate planning services, year-end strategies, income needs and charitable desires. Through Bank of America, we can offer access to lending options.  We are client-focused and committed to providing exceptional personal service, trustworthy advice and disciplined wealth management to a select group of individuals, families, business owners and professionals.

Our Core Beliefs

We strive to meet the following guiding principles every day:

  • The client always comes first. We want to exceed your expectations with exceptional service, personalized attention and an open dialogue.
  • Our relationships are built on integrity, reliability, accountability and accessibility.
  • We are committed to understanding your individual needs, goals, time horizon, liquidity requirements and tolerance for risk, all of which are designed to help you feel sure-footed in the financial decisions you make.
  • We offer knowledgeable investment advice and guidance crafted to help you manage risk, not return, and invest in asset classes that are not highly correlated with each other to help preserve your wealth in volatile markets.
  • Our goal is to create a long term, lasting value and to help you build a solid foundation for financial success—however you define it.

Homes Hill Brochure

Taking the Emotion Out of Investing

Investing in the market can cause emotional ups and downs. When the market is going up, many investors want more. When the market is sinking, those same individuals might want to get out as soon as possible. These reactions can lead to buying high and selling low—exactly the opposite of wise investing. 

While nothing about investing is guaranteed, we believe that navigating changing markets with a goal of coming out ahead takes a solid vision, a levelheaded approach and an ability to focus on the big picture.

We believe that asset allocation is more important than stock selection, market timing or other decisions. Our approach is designed to hedge against downside risk as well as pursue a predictable level of income, regardless of market conditions.

We utilize BofA Merrill Lynch Global Research to provide up-to-date market research and analysis. This research helps us to identify risk points in the market and immediately act as necessary in order to help you manage downside risk. 

We are here to help you sort through all of the complexities of financial wealth management.  Our experience, combined with our access to the investment insights of Merrill and the banking convenience of Bank of America, enables us to develop detailed wealth management strategies.

Your Future Begins with a Conversation

We recognize that every client is unique, and approach each relationship through these four steps:

UNDERSTANDING YOU. Your relationship starts with a frank conversation to help us understand your goals and what you would like your finances to accomplish in tandem with your life priorities.

TAILORING YOUR STRATEGY. We will invest the time to thoroughly evaluate your situation, and then recommend an appropriate customized strategy based on your goals, cash flow needs, risk tolerance and time horizon.  Most importantly, we will make sure you understand our recommendations.

CARRYING OUT YOUR CHOICES.  We will help you implement the investment strategy you choose.  These strategies might be put in place immediately or in stages, depending on the complexity of your situation and the current market environment.

STAYING COMMITTTED TO YOU.  We maintain an ongoing relationship with you by reviewing your progress and suggesting modifications, if needed, in response to the current economic climate or changes in your circumstances.

*Any information presented in connection with BofA Merrill Lynch 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 Merrill Lynch 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 Merrill Lynch 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.

Client Experience Redefined

We want to deliver nothing short of the best client service experience available in today's marketplace. Clients should feel that they have an advocate in their financial advisor-and that is why every member of our team is focused on providing high-quality service and knowledgeable financial advice and guidance to clients.

Integrity, discipline and diligence, combined with our experience and ability to effectively communicate openly and honestly, are the cornerstones of our best client relationships. We are readily accessible, and our goal is for you to turn to us first whenever you have a life event that requires careful consideration.

We use multiple resources to help you stay informed and actively participating in our process, including:

  • Merrill client account statements
  • Periodic performance reviews, either in person, via telephone, or by WebEx, depending on your personal situation
  • Annual statement for tax reporting
  • Periodic, focused, topical communications pertinent to your life priorities
  • Relevant research information
  • Timely responses to questions and requests
  • Special client appreciation events that may be educational or purely social in nature 

A Disciplined Planning Process
While we pride ourselves on aligning your financial strategy and portfolio structure to your unique situation, we also believe that every client should have a uniform experience.  We offer clients detailed, proactive planning reviews, including but not limited to the following items:

INVESTMENT PERFORMANCE AND NET WORTH STATEMENT - During this meeting, we can review your net-worth statement and the performance of your portfolio from the previous year.  The necessary adjustments can be determined for your asset allocation. Through Bank of America, we offer access to personal and business financing.

LIFESTYLE PLANNING STRATEGY REVIEW - We can discuss any issues that may impact your lifestyle goals, such as risk profiling, cash flow needs and retirement income planning.  We can evaluate your life priorities to suggest any necessary asset allocations to help meet your objectives.

ESTATE PLANNING SERVICES AND INSURANCE NEEDS - In this review, we can consider your wills and discuss estate planning services, in conjunction with your attorney if you wish.  We can review your insurance needs and health savings accounts.  Our discussions can also cover your philanthropic desires, succession planning and trustee designations.

YEAR-END SERVICES - To help you prepare for tax season, in conjunction with your tax professional, we can review your account for any gains and losses and execute any necessary tax-loss trades.  We can also reconfirm your gifting requests and check to see that the required minimum distributions from your retirement accounts have been satisfied.

A Broad Range of Services

We can work with you to develop and implement strategies to help you pursue financial success by defining what's important and addressing your particular wealth management needs. 

Wealth Management
We have access to the investment insights of Merrill and the banking convenience of Bank of America in providing you:

  • Retirement planning services 
  • Access to business and personal credit, and banking through Bank of America
  • Intergenerational wealth transfer
  • Philanthropic, trust and estate planning services

When appropriate, we will coordinate with your other advisors, including financial, tax and legal professionals, in order to pursue a more cohesive overall strategy. Our integrated, holistic approach helps simplify matters and allows you to spend more time on the things that matter most to you. 

Estate Planning Services
The transfer of wealth is a personal and sometimes complex situation. There is no greater comfort than knowing your estate is in order and that your beneficiaries will inherit exactly what you intended.  We can help you review your current strategy and, if needed, work with your attorney to design and implement investment strategies to help you maximize your estate. 

When appropriate, we will include your heirs in our meetings, and we can serve as a bridge for the multiple generations of your family.  Whether you are looking for insurance and annuities, or a trustee or an executor for your estate, our collective years of experience and professional training allow us to think creatively and arrive at effective approaches for you to consider.

Philanthropic Giving

True wealth is about more than money - it is about having the means to support the causes that matter most to you. We have access to resources that can help you make a difference - through family foundations, charitable trusts and gifting strategies - and can offer a number of ways to help you move toward your goals.  The key is to design an approach tailored to meet your own particular set of charitable intentions and family financial objectives.

Strategies for Business Owners
A business offers special concerns: the impact of death, disability, retirement or sale.  We can assist owners with implementing strategies to help them preserve this valuable asset: maximizing liquidity events, succession and tax minimizing strategies in conjunction with your outside tax advisor, and asset preservation strategies.

Risk and Asset Management
We believe there is no "one size fits all" strategy for managing investment portfolios. Often, preservation of capital and income replacement are every bit as important as wealth accumulation and growth.  Using this focus, we carefully measure your tolerance for risk and identify your time horizon and liquidity needs, then design appropriate short- and long-term strategies to help prepare you for the unexpected. Next, we align this portfolio with your growth objectives to build a tailored strategy for your personal situation.  Finally, the strategy will be monitored periodically to pursue your priorities.

You can delegate to Garland Homes, Jr. and Ken Hill the investment management responsibilities for your portfolios, meaning they have discretion over certain investment decisions surrounding your investment strategy.  Once Garland and Ken have confirmed your goals and life priorities, as well as identified your portfolio investment objective, time horizon, risk factor and liquidity needs, they will recommend targeted asset allocations for your portfolios to help you meet your specific investment objectives.  Granting them authority allows them to respond to market changes, price volatility and global events with the ability to make adjustments, if needed, to help your portfolio stay on track to meet your goals.



Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
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 you stay on track to 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.

    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.

    Access to what you need, when you need it

    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

      *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. Merrill Lynch Wealth Management 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 Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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.

      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, 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.