Edward Bastidas is an International Wealth Advisor at Merrill Lynch Wealth Management. He specializes in developing strategies and recommendations for high-net-worth global families and their businesses. His areas of focus include Global Investment Management, International Trust and Estate Planning Services, as well as Liability and Risk Management. Edward began his career in the financial services industry in 1998 at Merrill Lynch Wealth Management and rejoined the firm in 2010. Over the past two decades, he has gained experience in Corporate Finance, Mergers & Acquisitions, and Financial Services, which provides him with a broad perspective for evaluating and executing strategic plans. He holds a Bachelor of Arts degree in Finance from Florida International University and an M.B.A. from The Kelley School of Business at Indiana University. Outside of his professional role, Edward is involved in his church community. His personal interests include baseball, basketball, chess, football, reading, skiing, soccer, spending time with his family, traveling, and watching movies.

Jorge Gonzalez is a financial advisor with Merrill in Coral Gables, FL, holding a Series 66 designation and 16 years of industry experience. He has worked at both Merrill and Bank of America since 2009. Outside of his advisory role, Gonzalez is involved as a managing member in a family-held LLC and participates in the fundraising efforts of St. Theresa School’s annual golf tournament. Merrill serves a diverse client base including individuals, retirement plans, corporations, pension and profit-sharing plans, charities, and institutional clients. The firm offers various managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution and custody services, with a focus on tax-efficient investment strategies and integration with Bank of America’s broader financial platform.

Louis Chiavacci is a Private Wealth Advisor with Merrill Private Wealth Management. He has over thirty years of experience providing wealth management advice to high net-worth families. Prior to joining Merrill, Louis spent eleven years as a Private Wealth Advisor and Vice President at Goldman Sachs Private Client Services in New York and Miami. He holds professional designation as a Personal Investment Advisor (PIA). Louis attended the United States Naval Academy and earned both a Bachelor of Science degree with honors and a Master of Business Administration from Indiana University. At Indiana University, he served as an Associate Instructor of Financial Accounting. Outside of his role in wealth management, Louis is involved in education, serving as a volunteer adjunct professor at the University of Miami Graduate School of Law. There, he helped develop an investment course for attorneys pursuing a master's degree in estate tax law. He also collaborated with Indiana University's Graduate School of Business to develop a live portfolio management course focused on investment principles. In addition, Louis serves on the board of the University of Miami Center for Ethics & Public Services and has developed and taught financial literacy courses for members of economically challenged communities. He is a graduate of the FBI Citizens Academy. Louis has been recognized on multiple occasions by Forbes, Barron's, and the Financial Times in lists honoring top financial advisors and wealth management teams.

Mary Sanchez is a Senior Financial Advisor at Merrill Lynch Wealth Management. She collaborates closely with her family members, including her mother, father, and uncle, to provide financial planning services. Based in South Florida with offices in Miami and Marco Island, the team focuses on serving business owners, highly compensated executives, and divorced individuals. Her expertise includes complex income structures, tax exposure, deferred compensation, equity and liquidity event planning, partnership distributions, business succession, wealth transfer, and multigenerational estate strategies. Mary and her team adopt a personalized approach to financial planning, coordinating with clients' CPAs, attorneys, and other advisors to ensure comprehensive service. They offer guidance aligned with clients' income timelines and life events, including premier banking and customized lending solutions through Bank of America. Mary holds a Bachelor's Degree from Connecticut College and maintains professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She is an active member of the Junior League of Miami.

Isabel Fajardo is a Series 66-licensed financial advisor with Merrill in Coral Gables, FL, and has 30 years of industry experience. She has been with Merrill since 1986. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Liliana Riverol is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2004. Based in Coral Gables, FL, she serves clients through one of the largest financial institutions. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Emilio Santiago Gonzalez is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Wells Fargo. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Amanda Montesino is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2022, she worked at Sephora and bebe. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sneyder Crespo is a Series 66-licensed financial advisor with Merrill, based in Coral Gables, FL, with seven years of industry experience. His prior roles include positions at JPMorgan Chase and Bank of America, N.A. He is involved in a small investment-related business, Crespo-G Investment Group LLC, which he manages alongside his advisory work. Merrill, together with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alberto F. Cosio is a Private Wealth Advisor and partner in the Premia Group at Merrill Private Wealth Management, where he initially joined in 1992. With over 30 years of experience in financial services and advisory, Alberto focuses on working with global family groups, providing advice across various disciplines including wealth structuring, hedging, diversification strategies, and supporting business owners through significant liquidity events. His expertise extends to college education planning, corporate executive services, family wealth management strategies, international wealth management, legacy planning, liquidity management, and tax minimization. Alberto has also held leadership roles within Merrill as Managing Director in the Private Client group, focusing on Latin American clients. Before joining Merrill, Alberto held senior leadership positions at Bernstein Global Wealth Management and Lehman Brothers in Miami, overseeing South Florida and Latin America operations. His early career included experience in corporate finance and commercial real estate lending at First National Bank of Chicago. He earned a Bachelor’s degree in economics from the College of the Holy Cross in 1983 and an MBA in Finance from the University of Michigan Ross School of Business in 1985. Alberto maintains professional credentials as a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Alberto is active in South Florida’s civic and community affairs and has served two terms on the Board of Camillus House, a nonprofit organization dedicated to serving the homeless community, where he also chaired the Development Committee. He is a member of the Americas Gateway chapter of YPO-WPO International, a global organization focused on leadership education for business leaders. Alberto is married to Sofia and they have four children. His personal interests include biking, cooking, golfing, hiking, horseback riding, hunting, traveling, yoga, and spending time with his family.

Enmanuel Aleman is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in managing wealth for individuals and companies aiming to grow or preserve their assets. He leverages the resources and investment insights of Merrill Lynch alongside the banking convenience and lending solutions of Bank of America to provide comprehensive financial services. His approach centers on creating personalized wealth management strategies that adapt to clients' evolving needs and market conditions. Mr. Aleman's areas of expertise include college education planning, family wealth management strategies, international wealth management, liquidity management, retirement income, and tax minimization, among others. He holds professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Florida International University and is fluent in English and Spanish. Outside of his professional role, Enmanuel has interests in baseball, basketball, football, running, and table tennis. His financial planning philosophy emphasizes putting clients and their goals at the forefront of the process.

Alan Kyle is an International Wealth Advisor with Merrill Lynch Wealth Management. In this role, he focuses on managing clients' wealth by developing personalized financial strategies aligned with their individual goals and adapting to changing market conditions. He provides clients with access to investment insights from Merrill as well as banking and lending solutions from Bank of America. Alan holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rice University. He is committed to working closely with clients to help them pursue their long-term financial objectives. Additionally, Alan is actively involved in his community through volunteer work, continuing the tradition of community participation upheld by Merrill Lynch.

Ricardo Albor is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at several firms, including Bank of America, Raymond James & Associates, and Citi Bank. He has also been involved in academic roles at Florida International University and Miami Dade College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Tahimi Cespedes Pimentel is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. She has been with Merrill and Bank of America, N.A. since 2015. In addition to her advisory role, she is the managing member of TCP Management LLC, a company established to manage a single rental property. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of client types including individuals, high-net-worth clients, and institutional investors.

Marcelo Tome is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 66 licenses. His career includes roles at Bank of America, NA; SABADELL SECURITIES USA, Inc.; Banco Sabadell; J. Safra Asset Management Corporation; and Alti Wealth Management (US International), Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Potter is an International Wealth Advisor with Merrill Lynch Wealth Management. In his role, he provides financial advisory services to clients, focusing on wealth management strategies. Ronald holds the Professional Investment Advisor (PIA) designation, reflecting his qualifications in personal investment advising. He earned his High School Diploma/GED from the University of Miami. No additional information on personal interests or community involvement has been provided.

Lawrence Kulenkamp is an International Wealth Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Lawrence earned his Bachelor's Degree from Saint Louis University.

Gerardo Moya is an International Wealth Advisor at Merrill Lynch Wealth Management with over 24 years of experience in the financial industry. He specializes in areas such as college education planning, executive compensation, family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Gerardo holds a Bachelor's degree from Florida International University and a Master's degree from the Kellogg School of Management at Northwestern University. He has obtained professional designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is fluent in Spanish and English and conversational in Portuguese. Outside of his professional work, Gerardo is involved with Breakthrough Miami - The College Bound Program. His personal interests include adventure sports, basketball, interior decorating, reading, running, scuba diving, soccer, spending time with his family, traveling, and watching movies.

Raquel Trespalacios is a Financial Advisor with Merrill Lynch Wealth Management, committed to prioritizing clients' needs in her practice. She helps clients pursue personal financial goals such as college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, and small business strategies. Raquel emphasizes simplicity and transparency in wealth planning, tailoring strategies that align with each client's unique ambitions and priorities. Raquel's approach integrates understanding individual client perspectives to create personalized financial plans that cover retirement lifestyle considerations, potential healthcare costs, and family long-term objectives. Her work supports clients through comprehensive planning and process connection to facilitate achieving financial goals. Outside of her professional role, Raquel enjoys baseball, basketball, football, soccer, interior decorating, woodworking, watching movies, and spending time with her family.

Jonathan Goldstein is a financial advisor at Merrill with nine years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Bank of America, JPMorgan Securities LLC, and Element Pointe Advisors, LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.