The Tyler Group
The Tyler Group
Wealth Management 2500 Windy Ridge Parkway Phone: 770.858.1213
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Suite 1200
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Wealth Management
Atlanta, GA 30339
www.fa.ml.com/tyler_group
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Cultivating understanding and
earning trust
CLIFF TYLER BEGAN HIS CAREER WITH MERRILL LYNCH IN 1978. IN 2003, HIS SON, RYAN, JOINED HIS PRACTICE TO FORM THE TYLER GROUP. Our team helps individuals and their families, business owners, doctors, lawyers and other professionals preserve, build and transfer their wealth using a process that builds an investment strategy on a solid foundation of financial Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (BofA). Investment products: Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
Merrill Lynch makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA or in which BofA has a substantial economic interest, including BofATM Global Capital Management.
goals and objectives. Our 47 years of collective experience in the financial services industry has shown us that clients want to be responsible stewards of their wealth. To that end, we believe they appreciate the clarity we can bring to the wealth management process. We encourage you to ask questions as we work together to build your financial strategy and use our knowledge and insight
OUR COMMITMENT TO YOU
to deliver appropriate recommendations. We strive to earn your trust each day by focusing on meeting the complex needs that are unique to you.
“We believe approachability and consistency are the keys to building long-term relationships with clients. We truly care about helping you pursue your financial objectives.” Cliff Tyler F I R S T V I C E P R E S I D E N T– W E A LT H M A N A G E M E N T W E A LT H M A N A G E M E N T A DV I S O R PORTFOLIO MANAGER
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Helping to take the emotion
out of financial decisions Often, a certain degree of emotion—both positive and negative—accompanies the acquisition and management of significant wealth. It brings a set of complex challenges. We help you confront and understand these challenges by establishing a clear, goal-based wealth management strategy designed to help you determine—and then pursue—your financial objectives. Although we view ourselves, first and foremost, as problem-solvers, there is far more to wealth management than that. We are committed to helping you invest and strategize the way institutions do: with a focus on economics, in order to help you make rational decisions about managing your wealth. Your goals may include purchasing a retirement home, caring for an elderly parent or funding your grandchildren’s education. Or maybe you want to support a worthy cause or wish to leave a legacy for your children. Whatever your goals may be, we can help you determine strategies designed to help you move toward pursuing them.
OUR APPROACH
“We help you make educated financial decisions that are based on economics rather than emotions.” Ryan W. Tyler, CFA®, CFP®, CIMA® A S S I S TA N T V I C E P R E S I D E N T W E A LT H M A N A G E M E N T A DV I S O R
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Wealth management strategies
designed to help you move forward We are avid listeners—and take the time to
WEALTH MANAGEMENT PROCESS
really understand your current needs, concerns about managing your wealth and ideas for the future. To help you hone your vision, we use the Merrill Lynch wealth management process, a disciplined, five-step method
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Assess Situation
Articulate Needs and Goals
of gathering information, organizing a targeted strategy and, ultimately, helping to suggest an investment portfolio designed to meet your needs. The process includes an ongoing progress review that helps keep your portfolio aligned with your goals, risk
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3
Review Progress to Goals
$EÙMEAMD 2EÙME Approach
4 Implement Goals-Based Strategies
tolerance, time horizon and liquidity needs following shifts in the markets and your life. We also examine how the many aspects of your financial life work in concert, giving you the benefit of our experience and providing access to Merrill Lynch
OUR PROCE SS
“The wealth management process is essential to helping you identify goals and craft strategies you can use to pursue them.”
specialists when their skills and insights are required. We can meet and work with your other trusted advisors upon your request—such as your attorney, accountant and tax specialist—and coordinate financial strategies designed to help you pursue your goals.
Cliff Tyler F I R S T V I C E P R E S I D E N T– W E A LT H M A N A G E M E N T W E A LT H M A N A G E M E N T A DV I S O R PORTFOLIO MANAGER
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The foundation of our
investment approach While some advisors may help clients structure portfolios to mirror the market in terms of both potential returns and exposure to risk, we have found that this approach can expose investments to levels of market volatility that clients may find uncomfortable. In addition to causing clients undue stress on a personal level, this type of investing may also potentially result in a long-term loss of capital. At The Tyler Group, we believe it is important to help you structure the core of your portfolio in such a way that it is designed to mitigate downside risk while simultaneously positioning it to take advantage of the possibility of positive returns in the long term. We work with you to develop actively managed, global and flexible investment strategies and pinpoint well-respected investment managers to implement them. We recognize that each investor’s personal circumstances, goals and constraints differ, and may recommend diversifying your portfolio by incorporating private equity funds, commodities or hedge funds. At least once a year—more often, when necessary—we review your portfolio with you and recommend rebalancing, as needed, in order to help keep
STR ATEG IC A SSE T ALLOC ATION
it aligned with your strategy.
“We fully believe that asset allocation is the single most important determinant of your portfolio’s performance.” Ryan W. Tyler, CFA®, CFP®, CIMA® A S S I S TA N T V I C E P R E S I D E N T W E A LT H M A N A G E M E N T A DV I S O R
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Using research to identify and
evaluate potential investments When seeking potential investment strategies that align with your wealth management objective, we search both within and beyond the bounds of Merrill Lynch. We rely primarily on the research supplied by BofA Merrill Lynch Global Research for in-depth information on stocks, bonds, global economics and investment strategy. In addition, we speak regularly with the analysts of the Investment Management & Guidance Group, who perform rigorous due diligence on third-party products, services and asset managers. Whenever possible, we personally interview the portfolio managers under consideration before adding them to our investment roster. This helps us get a clearer sense of their firms’ resources and management style. We also utilize The RIC Report, published by the Merrill Lynch Research Investment Committee. This monthly digest highlights significant strategic and tactical investment themes and provides asset allocation guidelines. Then we analyze factors such as assets under management, growth potential
SP OT TING OPP ORTUNIT Y
“When selecting third-party investment managers, we look for performance over the long term—which we feel indicates skill as opposed to luck—and then do a further level of review to make sure they share our investment philosophy.”
and long-term performance, although past performance does not guarantee future results. We then vet prospective candidates against your stated goals, liquidity needs, time horizon and risk tolerance, suggesting the ones most suitable for you.
Ryan W. Tyler, CFA®, CFP®, CIMA® A S S I S TA N T V I C E P R E S I D E N T W E A LT H M A N A G E M E N T A DV I S O R
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R. Clifton (Cliff) Tyler F I R S T V I C E P R E S I D E N T– W E A LT H M A N A G E M E N T W E A LT H M A N A G E M E N T A D V I S O R PORTFOLIO MANAGER
Cliff’s listening skills and attention to detail help him build close relationships with clients. Cliff focuses on developing and monitoring asset allocation models and clients’ overall wealth management strategy. He meets with clients regularly to review performance and to help ensure that their strategies are aligned with their financial goals. Cliff is a qualified portfolio manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a portfolio manager may manage his strategies on a discretionary basis.
OUR FOCUS IS ON YOU
“Client service is about anticipating your needs, doing what’s necessary to get you answers to your questions, and using our knowledge and insight to deliver appropriate recommendations.”
Cliff began his career with Merrill Lynch in 1978 after spending five years as an executive at a national retail firm. Cliff graduated from Mississippi State University with a bachelor’s degree in political science and holds an MBA from Delta State University. Cliff was an officer in the Special Forces during the Vietnam Conflict. He serves on the boards of several nonprofit organizations and has been an active member of the Kiwanis club for many years. He and his wife, Betty, reside in Marietta, Georgia.
Cliff Tyler F I R S T V I C E P R E S I D E N T– W E A LT H M A N A G E M E N T W E A LT H M A N A G E M E N T A DV I S O R PORTFOLIO MANAGER
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Ryan W. Tyler, CFA®, CFP®, CIMA®
Travis Haines
A S S I S TA N T V I C E P R E S I D E N T W E A LT H M A N A G E M E N T A D V I S O R
C L I E N T A S S O C I AT E
Ryan focuses on monitoring and rebalancing clients’ portfolios, conducting reviews of third-party managers and building long-term relationships with clients. Before joining Merrill Lynch in 2003, he worked for three years as a software developer for a financial services technology firm.
Travis joined Merrill Lynch in 1996 and performs a variety of important administrative functions for the team, including research for—and the development of—client presentations, trade and settlement reconciliations, account documentation and other administrative needs. His professionalism, integrity and focus on helping clients are indicative of how The Tyler Group approaches client relationships.
Ryan earned a bachelor’s degree in computer engineering from Tulane University in New Orleans, and is a CERTIFIED FINANCIAL PLANNERTM certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He also holds the Chartered Financial Analyst® and the Certified Investment Management Analyst® (CIMA®) designations.
Travis has been a deacon in his church for the past eight years. He teaches Sunday school, is involved in the youth program and takes mission trips on behalf of his parish. He and his wife, Tonya, live in Whitesburg, Georgia, with their two children, Trenton and Taylor. They enjoy taking retreats to Panama City and West Virginia, and skiing.
Ryan is an avid fitness buff and enjoys Crossfit. In 2007, he completed the Atlanta and New York City marathons.
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