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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, 2020

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

Barron’s 2017 “America’s Top 1,200 Financial Advisors: State-by-State”

Terry A Whigham

Forbes "Best-in-State Next Generation Wealth Advisors" in South Carolina 2019

William Phemister Velasco

Forbes “Best-in-State Wealth Advisors”  in South Carolina 2019

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.

Thomas Clark

Thomas Clark

Wealth Management Banking Specialist

Merrill Lynch

Ronald D Takac

Ronald D Takac

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #505438

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

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.

 

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.

Upcoming Events

A Discussion on Wealth Transfer, Tax Minimization, and Gifting Strategies

October 29th, 2020|4:00 PM

We wanted to extend an invitation as our team is hosting a discussion on wealth transfer, tax minimization, and gifting strategies featuring Leslie Geller of Capital Group. Leslie’s role at Capital Group is to advise high net-worth clients on all matters related to taxation, wealth transfer, and family governance.

 

Topic:  A Discussion on Wealth Transfer, Tax Minimization, and Gifting Strategies

Date:  October 29th, 2020
Time:  4:00 pm, Eastern Daylight Time


 
We hope you can join us on the 29th.


*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

    For more information: 803.733.2159 or alexis.patterson@ml.com

    Past Events

    An Investor's Guide to the Election

    October 14th, 2020|4:00 PM EST

    We wanted to extend an invitation as our team is
    hosting a WebEx Virtual Meeting, October 14th, to provide our thoughts on how the election could shape
    the markets in 2021 and beyond.

    Topic: An Investor’s Guide to the Election
    Date: October 14th, 2020
    Time: 4:00 pm, Eastern Daylight Time


    *CFA® and Chartered Financial Analyst® are registered trademarks by CFA Institute.

    *CRPC® and Chartered Retirement Planning Counselor are registered service marks of the College for Financial Planning.

    *CAIA® is a registered certification mark owned and administered by the Chartered Alternative Investment Analyst Association.

      Wine & Learn - Your Medicare Questions Answered

      October 13th, 2020|5:30 PM

      *CDFA® and Certified Divorce Financial Analyst® are trademarks of The Institute for Divorce Financial Analysts™.
      *Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.

        Market & Research Portfolio Outlook Heading Into the Election

        October 22nd, 2020|5:30 PM

        *Institutional Investor magazine announced BofA Global Research as one of the top global research firms from 2011-2018 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. 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. For more information about this award, go to https://www.institutionalinvestor.com/research/8959/Overview . Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

          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.