Homes Hill Group


Meet the Team

Supported by the global resources of Merrill Lynch, 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 Financial 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

Timothy Steven Phillips

Timothy Steven Phillips

Trust Specialist

Where do we begin? It starts with you.

At Merrill Lynch, 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

Accountability, 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 guide clients through a variety of wealth management topics, including:

  • Investments
  • Estate planning services
  • Year-end wealth management strategies
  • Access to lending options through Bank of America, N.A.
  • Income needs
  • Charitable desires

Our Core Beliefs

These are the principles that guide our actions every day:

  • Our relationships are built on integrity, reliability, accountability and accessibility.
  • We are committed to understanding your individual needs, goals, liquidity needs, time horizon and tolerance for risk so that you are informed in the financial decisions you make.
  • We offer knowledgeable investment advice and guidance designed to help you manage risk and invest in asset classes that are not highly correlated to help preserve your wealth in volatile markets.
  • Our goal is to create lasting value and to help you build a solid foundation to pursue financial success—however you define it.

Helping to Take the Emotion Out of Investing

Investing in the market can cause emotional ups and downs. When the market is rising, many investors want more. When the market is sinking, those same people 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.

Although nothing about investing is guaranteed, we believe that navigating changing markets and 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 similar decisions. Our approach is designed to seek downside risk protection that pursues a predictable level of income, regardless of market conditions.

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

*BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. MLPF&S is a wholly owned subsidiary of Bank of America Corporation. 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.
The Client Experience Redefined

We want to deliver nothing short of the best client service available in today's marketplace. Clients should feel that they can bring their wealth management concerns to their financial advisor—and that is why several members of our team are focused on providing high-quality service and financial advice and guidance.

Integrity, discipline and diligence, combined with our experience and ability to effectively communicate openly and honestly, are the cornerstones of our client relationships. We are readily accessible, and our goal is for you to come to us whenever you have a financial need.

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

  • Merrill Lynch client account statements
  • Periodic performance reviews, either in person or via telephone, depending on your personal situation
  • Annual statement for tax reporting
  • Consistent, focused, topical communications related to your investment portfolio
  • Relevant research information
  • Timely responses to questions and requests
  • Special client appreciation events that may be educational or purely social in nature 
A Broad Range of Services

By defining what's important to you and determining your particular wealth management needs, we can help you develop and implement strategies to pursue your financial goals.

Wealth Management

  • Retirement Income Strategies
  • Intergenerational Wealth Transfer services
  • Access to Bank of America Philanthropic and Trust Services
  • Access to Bank of America, N.A.'s Business and Personal Credit and Banking

When appropriate, we will coordinate with your other advisors, including financial, tax and legal professionals, to help achieve a more cohesive overall strategy.

Estate Planning Services

  • Consult with your independent attorney and tax advisor
  • Serve as a bridge between multiple generations

Philanthropic Giving

Family foundations, charitable trusts and gifting

Solutions for Business Owners

Strategies to help you protect your business:

  • Maximizing liquidity events
  • Succession and tax minimizing strategies in conjunction with/together with your tax advisor
  • Asset preservation solutions

Risk and Asset Management

  • Align risk tolerance with growth objectives
  • Build a tailored portfolio strategy
  • Regular monitoring

Discretionary Portfolio Management

You can delegate to Garland Homes and Ken Hill investment management responsibilities for your portfolios, meaning they have discretion over certain investment decisions surrounding your investment strategy. Once they 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 pursue your specific investment objectives. Granting them authority allows Garland and Ken 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.

To help you monitor and assess performance, we will regularly review your portfolio with you and you will receive periodic communications including monthly statements, quarterly portfolio summary updates and annual performance reports.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, 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.

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 give you peace of mind* that you're on track to help 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.

  • Sample client review agenda
  • Sample Wealth Outlook Report
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 destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’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. 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 financial 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 financial advisor.

Transcript of Video 

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 Lynch, 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.