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

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

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.

Past Events

Happy Hour - Legacy Planning

May 28th, 2020|5:00 PM EST

For a pdf version of the invitation, please click here.

    Speeding Towards a Post-Coronavirus World

    June 22nd, 2020|5:00 PM

    In continuance of our Virtual Happy Hour series, we are hosting a WebEx Virtual Meeting, June 22nd, to discuss our latest market outlook.  We will re-examine some of the key trends for the post-coronavirus environment and investment implications. 

      Merrill Presents: The Current Cyber Security Landscape

      June 24th, 2020|2:00 PM

       

      Join our panel of experts as they discuss the current state of Cyber Security and the evolving threat landscape. Topics to be discussed:

      •  Cyber Security trends
      •  Maintaining strong security practices while working from home
      •  Stories from the front lines of Cyber Security
         

        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.