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Davis, Dickerson & Associates

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Davis, Dickerson & Associates

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Merrill Lynch
Wealth Management

Our mission is to help affluent clients pursue their long-term financial objectives.

Davis, Dickerson & Associates

Helping meet the Challenges and Opportunities of Significant Wealth

Davis, Dickerson & Associates offers targeted financial advice and customized investment guidance to a demanding clientele that includes affluent individuals, families and institutions.

We understand the complexities surrounding wealth today, including managing investment portfolios in the context of interconnected global markets. But along with challenges, we believe that significant wealth presents extraordinary opportunities.

Our mission is to help clients pursue their long-term financial objectives. For individuals and families, we strive to develop customized wealth management strategies and assist them in building broadly diversified, investment portfolios. For institutions, we guide governing boards and committees in designing their investment process, including strategic asset allocation, asset manager selection and can provide access to the Investment Policy Statement service available through Merrill.

Each of our team members, as well as our skilled client service colleagues, have years of experience working with affluent clients, many of whom are exceptional business people and accomplished investors. We are proud that they look to us for advice and guidance on matters that are critically important to them.

We build lifelong relationships with clients

We focus on spending time to get to know clients. In order to serve you best, we believe in having a solid understanding of your financial needs, goals and aspirations. We spend a significant amount of time up front to learn everything you want to share about your personal life, financial concerns and any future planning. Establishing trust is crucial to maintaining a life-long, thriving client relationship that will benefit multiple generations.

Working together to service your individual needs

With over 50 years of combined experience, our team is committed to working as a unit in order to provide the best service and wealth management advice. We believe that wealth management is only effective when collaboration is involved, so that is why we work closely as a team to help ensure the highest level of service. You will have your own personal contact on our team, but we work together on every relationship, combining our abilities and experiences to offer individualized wealth management advice and guidance.

Our team is also very committed to the community in which we live. Members of our team volunteer with numerous organizations including, the Food Bank of East Texas, the Texas Rose Festival Association, Junior League of Tyler, several Rotary Clubs, and several local churches.

We all have one goal in mind, client satisfaction, and our team will work together to reach that goal!

Personal Attention, Expanded Capabilities

Our core focus is on wealth structuring and tax-aware investing. Over the years, however, we have responded to clients' needs by extending our capabilities into these important wealth management areas:

  • Estate planning services
  • Intergenerational transfers
  • Charitable giving and philanthropy
  • Concentrated stock strategies
  • Portfolio oversight and risk management
  • Retirement income planning
  • Strategies for major liquidity events
  • Retirement income planning
Many of the clients we serve are professionals or business owners who have put, or are about to put, their working lives behind them. No matter how much wealth you have accumulated, you may be deeply concerned about making it last throughout your lifetime. Our team has considerable experience in cash-flow needs and designing investment strategies intended to help preserve principal and generate income in retirement.

Forward-Looking, Customized Strategies

We learn about you by asking detailed questions concerning your current assets, liabilities and debt service, income, tax situation, objectives, time horizon, liquidity needs, risk tolerance and expectations for investment returns. Then we use a range of Merrill tools, including Wealth Outlook®, to analyze this information and make recommendations.
  • Conservative philosophy, disciplined approach
  • Our investing process builds on these foundational principles:
  • Recommend a structure for each portfolio designed to help generate the maximum realistic returns for a level of risk the client finds comfortable.
  • Use forward-looking economic data and research to manage portfolio risk.
  • Diversify broadly, allocating investment capital across a spectrum of asset classes and industry groups.
  • Make tactical changes to class or sector weightings when market inefficiencies occur.
  • Stay attentive to the elements of risk that impact portfolios. Manage the downside diligently.
For Institutions: We can offer guidance to help endowments, foundations and businesses structure portfolios and track managers within the provisions of their investment policy statement (IPS), but it remains the sole responsibility of the client organization to ensure compliance with the IPS, no matter who sponsors or prepares it.

For Individuals and Families: Investment strategy is connected to—and flows from—their wealth strategy. When we design a framework for their portfolios, we are careful to take into account:
  • Personal preferences and time horizon
  • Need for cash income and asset liquidity
  • Investment experience
  • Tolerance for investment risk and return expectations
  • Tax situation 

Committed to exceed your expectations

Our financial advisors as well as our knowledgeable client service colleagues focus on servicing your needs while exceeding your expectations. We know that each individual client has a specific set of needs and concerns, to which we tailor our service model. We strive to have a full understanding of your life and the things that matter most to you.

We have ongoing communication with clients in order to maintain a solid relationship and understanding of your needs and goals. Communication is critical to our Goals-Based Wealth Management process, because lives are constantly in motion causing financial situations to change.

We value the honesty and productivity of face-to-face interactions. We schedule periodic reviews at your office or ours. Throughout the year, we host client events—some educational, some purely social. Staying connected to clients is a part of the business we truly enjoy.

  • We welcome the opportunity to demonstrate to you firsthand how we can help to enhance the financial lives of affluent families and institutions around the country.Davis Dickerson and Associates

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.

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.

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
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3

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 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.



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.



    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.

    #DigitalMerrill

    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.

      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.

      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.