The Tyler Group

Wealth Management

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Merrill Lynch makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest, including BofATM Global Capital Management. Investment products provided: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.

Our commitment 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, CFM
First Vice PresidentInvestments Wealth Management Advisor Portfolio Manager, PIA Program

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 goals and objectives. Our more than 40 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. We want you to feel comfortable with us and with our recommendations, and we strive to earn your trust each day by focusing on meeting the complex needs that are unique to you. 3

Our approach
 We help you make educated financial decisions that are based on economics rather than emotions. Ryan W. Tyler, CFA, CFP, CIMA
Wealth Management Advisor

Helping to take the emotion out of financial decisions

Often, a certain degree of emotionboth positive and negativeaccompanies 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 determineand then pursueyour 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 grandchildrens 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 from Point A to Point B on the road to pursuing them.

Our process
 The Wealth Management Process is essential to helping you identify goals and craft strategies you can use to pursue them. Cliff Tyler, CFM
First Vice PresidentInvestments Wealth Management Advisor Portfolio Manager, PIA Program

Wealth management strategies designed to help you move forward

We are avid listenersand take the time to 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, four-step method of gathering information, organizing a targeted strategy and, ultimately, helping to suggest an investment portfolio that meets your needs. The process includes an ongoing progress review that helps keep your portfolio aligned with your goals and risk tolerance 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 specialists when their skills and insights are required. We can meet and work with your other trusted advisors upon your requestsuch as your attorney, accountant and tax specialistand coordinate financial solutions designed to help you pursue your goals.

Strategic asset allocation

 We fully believe that asset allocation is the single most important determinant of your portfolios performance. Ryan W. Tyler, CFA, CFP, CIMA
Wealth Management Advisor

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 investors 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 yearmore often, when necessarywe review your portfolio with you and recommend rebalancing in order to keep it aligned with your strategy.

Spotting opportunity
 When selecting third-party investment managers, we look for performance over the long termwhich we feel indicates skill as opposed to luckand then do a further level of review to make sure they share our investment philosophy. Ryan W. Tyler, CFA, CFP, CIMA
Wealth Management Advisor

Using research to identify and evaluate potential investments

When seeking potential investment solutions that align with your wealth management strategy, we search both within and beyond the bounds of Merrill Lynch. We rely primarily on the world-class 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 and long-term performance, although past performance does not guarantee future results. We then vet prospective candidates against your stated goals, time horizon and risk tolerance, suggesting the ones most suitable for you. 11

Our focus is on you

 Client service is about anticipating your needs, doing whats necessary to get you answers to your questions, and making sure you are comfortable with the solutions we recommend. Cliff Tyler, CFM
First Vice PresidentInvestments Wealth Management Advisor Portfolio Manager, PIA Program

R. Clifton (Cliff) Tyler, CFM

First Vice PresidentInvestments Wealth Management Advisor Portfolio Manager, PIA Program
Cliffs 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. As a Portfolio Manager in the Merrill Lynch Personal Investment Advisory (PIA) Program, Cliff can manage customized portfolio strategies as well as provide traditional advice and guidance. Cliff began his career with Merrill Lynch in 1978 after spending five years as an executive at a national retail firm. He holds the Certified Financial Manager (CFM) designation, which is an internal Merrill Lynch self-study curriculum based on a variety of wealth management topics and a course exam. Cliff graduated from Mississippi State University with a Bachelors degree in Political Science and holds an M.B.A. 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. 13

Ryan W. Tyler, CFA, CFP, CIMA

Wealth Management Advisor
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. Ryan earned a Bachelors degree in Computer Engineering from Tulane University in New Orleans. He holds the designation of Chartered Financial Analyst . Ryan is a CERTIFIED FINANCIAL PLANNERTM (CFP) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He also holds the Certified Investment Management AnalystSM (CIMA ) designation. Ryan is an avid fitness buff and enjoys Crossfit. In 2007, he completed the Atlanta and New York City marathons.

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Travis Haines
Client Associate
Travis joined Merrill Lynch in 1996 and performs a variety of important administrative functions for the team, including research forand the development ofclient 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. 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.

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The Tyler Group

Wealth Management
Call or e-mail us for more information:
2500 Windy Ridge Parkway Suite 1200 Atlanta, GA 30339 Phone: (770) 858-1213 www.fa.ml.com/tyler_ group

Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their tax and legal professionals. Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining a service or services to select. Asset allocation, diversification and rebalancing do not assure a profit or protect against loss in declining markets. The bull symbol and Merrill Lynch Wealth Management are trademarks of Bank of America Corporation.

L-05-11 Merrill Lynch Personal Investment Advisory is a registered trademark of Bank of America Corporation. Chartered Financial Analyst and CFA are registered trademarks of the CFA Institute. CERTIFIED FINANCIAL PLANNERTM and CFP are certification marks owned by Certified Financial Planner Board of Standards, Inc., and are awarded to individuals who successfully complete CFP Boards initial and ongoing certification requirements. Certified Investment Management Analyst is a service mark and CIMA is a registered service mark of Investment Management Consultants Association, Inc. 2011 Bank of America Corporation. All rights reserved. MLWM-11-01296_brochure ART023Z4

11/2011