TCG and Associates

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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.

Michael Phemister Velasco

Barron’s Top 1,200 Financial Advisors in South Carolina- 2019

Forbes “Best-in-State Wealth Advisors”  2019

Barron’s 2018 “America’s Top 1,200 Financial Advisors: State-by-State”

William Phemister Velasco

Forbes “America’s Top Next-Generation Wealth Advisors”  2018

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.

Ronald D Takac

Ronald D Takac

Wealth Management Lending Officer NMLS # 505438

Thomas Clark

Thomas Clark

Wealth Management Banking 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

TCG Welcome Tab 2019

Helping you achieve your goals begins with understanding how you think and feel about investing which, in turn, helps the team align your wealth management plan to what matters most to you and your family. Whether you are focused on retirement income planning, education funding, wealth transfer, or simply getting more out of life, the team works closely with you to create a framework designed to optimize your short- and long-range goals.

 

It may be time for a new approach to the journey ahead – one based on your best interests while providing you with the trust, accountability and care you desire along the way. TCG & Associates can guide you along this path, providing the resources needed to help you connect to a better financial life.

 

Developing Strategies on an Individual Basis
By focusing on what matters to you on a personal level, and by our understanding how you mentally and emotionally engage with your investments, we can help you develop an investment approach and portfolio that addresses your unique concerns and priorities.

Merrill Lynch’s proprietary Investment Personality Assessment (IPA), a digitally-taken questionnaire, is an innovative way to help us gain a clearer understanding of your investment personality. It can help facilitate conversations about your mindset toward risk, preferred approach to investing and overall purpose for investing. Building upon this foundation, we will work with you to identify, define and prioritize your goals.

As the market environment and your personal situation change, we’ll be able to work with you to review and adjust your investment approach in order to help keep you on track toward reaching investment outcomes that are meaningful to you.


Maintaining Steady Focus on the Right Objectives
Significant wealth is complex, and demands constant attention and appropriate strategic responses. Through the intellectual capital, talent and experience of our professionals, we’re capable of responding to a wide range of client situations and wealth challenges. Each of our team members possesses a set of crucial skills, and together we create a foundation of knowledge and action that is highly accessible to clients.

We strive to maintain objectivity while helping you make choices based upon what’s appropriate for you, your family or your organization. Our team welcomes the opportunity to show you firsthand what we do and how we do it for high-net-worth families, foundations and institutions.

TCG & Associates is committed to offering you dynamic wealth management.
Essential Services for Families and Institutions
At TCG & Associates, we work with families who, having achieved substantial wealth, realize they need a different level of wealth management to help them pursue what's next. They see, as we do, that their wealth provides significant opportunities—and a new and changing set of challenges. Our goal is to help you develop your financial life into a sophisticated, flexible strategy, designed to weather adversity and evolve with you as your life changes.

Many nonprofit institutions and corporate pension programs throughout the South are turning to TCG & Associates to help them invest and manage their assets. As with individual clients, we help create portfolio guidelines in order to maintain the overall investment strategy of endowments.

We understand the work that these organizations' assets need to do, the places they need to go and the people they need to serve.

Upcoming Events

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Health Care Costs in Retirement CE- Accredited Seminar

Merrill Lynch Conference Room, 1301 Gervais Street, Suite 1500, Columbia, SC 29201

June 5th, 2019|8:00 AM - 9:00 AM EDT

An CE Accredited Seminar on Health Care Costs in Retirement. Your host is Paula Sabbagha at Paula.Sabbagha@ml.com.

    For more information: 803.733.2167 or paula.sabbagha@ml.com

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    Wine & Learn - Women Educational Series - Grief and Loss

    Merrill Lynch, 1301 Gervais Street, 20th Floor, Columbia, SC 29201

    June 11th, 2019|5:30 PM - 7:00 PM EDT

    Our Woman's Education Series is designed to be an informal lecture/discussion around personal wealth management issues. Paula Sabbagha, TCG & Associates is your host . Call Paula at 803-733-2167 to confirm your reservation.

    • Hors d'oeuvres

    For more information: 803.733.2167 or paula.sabbagha@ml.com

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    Wine & Learn Women's" Educational Series- Social Security

    Merrill Lynch, 1301 Gervais Street, 20th Floor, Columbia, SC 29201

    July 9th, 2019|5:30 PM - 7:00 PM EDT

    Our Woman's Education Series is designed to be an informal lecture/discussion around personal wealth management issues. Paula Sabbagha, TCG & Associates is your host . Call Paula at 803-733-2167 to confirm your reservation.

    • Hors d'oeuvres

    For more information: 803.733.2167 or paula.sabbagha@ml.com

    Past Events

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    Small Business Retirement Plans

    1301 Gervais Street, Suite 1500, Merrill Lynch Conference Room, Columbia, SC 29201

    May 23rd, 2019|11:30 AM - 1:00 PM EDT

    This is a CE accredited seminar on Small Business IRA  and Qualified Retirement Plans.

    • Lunch

    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.

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

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      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

      • 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'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.


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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.

      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.