Margarita Rodriguez is an International Wealth Advisor with Merrill Lynch Wealth Management. She has been working in financial services since 1992, joining Merrill Lynch in 1997 after five years at ABN AMRO Bank. In her role, Margarita focuses on assisting clients, particularly women and the next generation, by addressing their financial priorities, concerns, and goals through personalized strategies. Her expertise encompasses retirement income planning, legacy planning, tax minimization, portfolio management, education planning, and international wealth management. Margarita employs a client-focused approach, beginning each relationship with detailed discussions to understand their objectives and help them make informed financial decisions. She serves business owners, entrepreneurs, and individuals experiencing significant life changes, such as divorce or the death of a spouse. Margarita earned her Bachelor of Arts degree in Finance and International Business from Florida International University. She holds the Certified Financial Planner (CFP) designation, the Certified Investment Management Analyst (CIMA) certification, and is recognized as a Personal Investment Advisor (PIA). She is fluent in Spanish, French, and English. Margarita lives in Miami with her husband and three children, and enjoys activities including biking, boating, camping, dancing, fishing, football, reading, spending time with family, and traveling.

Christina Zayas Bazan Ades is a financial advisor with Merrill in Coral Gables, FL, holding a Series 66 designation and 32 years of industry experience. She has been with Merrill since 1993. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Natalie Cabrera is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Merrill since 2021 and previously spent four years at Wells Fargo Clearing. Prior to her advisory career, she was involved with the Early Learning Coalition of Miami Dade Monroe for three years. 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, and institutions.

Christine Yormack is a financial advisor with Merrill in Coral Gables, FL, holding Series 63 and Series 65 credentials and 16 years of industry experience. She has worked at Merrill since 2012, including its affiliation with Bank of America Securities in 2019. Outside of her advisory role, she participates in nonprofit organizations such as Friends of the IDF, where she is a senior board member with a titular role as treasurer, and is active in local community groups including a preschool PTA and a scouting committee. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, and institutional investors.

Jean Padilla is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in personalized wealth management strategies that align with clients’ long-term financial goals. Her areas of expertise include college education planning, family wealth management, liquidity management, managing new wealth, personal retirement planning, and retirement income strategies. Jean has been in the wealth management and banking industry since 2007, with prior experience at JP Morgan and Northwestern Mutual. She holds a Bachelor’s degree and an MBA from Florida International University. She is a CERTIFIED FINANCIAL PLANNER® (CFP) and a Personal Investment Advisor (PIA), serving clients in both English and Spanish. Born in Bogotá, Colombia, Jean grew up in the United States and is actively involved in her community through organizations such as United Way and Special Olympics. Outside of work, she enjoys camping, soccer, tennis, traveling, spending time with her family, and watching movies.

Carlos Garcia is a financial advisor at Merrill with 22 years of industry experience. He holds Series 65 and Series 66 licenses. His prior work includes roles at First Trust Advisors L.P., First Trust Portfolios L.P., and The Vanguard Group, Inc., as well as an earlier tenure at Merrill. 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.

Steven Delgado Oramas is a financial advisor with Merrill based in Coral Gables, FL, holding Series 63 and Series 66 designations and eight years of industry experience. He has worked at Bank of America, Merrill, and Wells Fargo in various capacities. Outside of his advisory role, he works as a part-time delivery consultant for Uber Technologies, 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, offering model-based and discretionary investment strategies for individual, high-net-worth, pension, corporate, and charitable clients.

Enrique Falla is an International Wealth Advisor at Merrill Lynch Wealth Management, where he serves a select group of high net worth families and their closely held businesses. With over two decades of experience, he specializes in family wealth management strategies, sports and entertainment, as well as individual and corporate investment strategy. Enrique brings extensive multinational experience and a bicultural background that inform his understanding of the financial and planning needs of multinational corporate executives and global families. Before joining Merrill in 2000, Enrique held financial and sales management roles with major multinational companies, including Colgate-Palmolive, where he was Regional Manager for Latin America and the Caribbean, and The Dow Chemical Company as a Caribbean Major Accounts Representative. He holds both a Bachelor of Arts in Business Administration and an MBA in International Business, graduating with distinction from the University of Miami. Enrique has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Enrique is bilingual, speaking English and Spanish, and participates actively in community organizations such as the Special Olympics and the Key Biscayne Financial Foundation. His personal interests include boating, golfing, scuba diving, soccer, and traveling. He is committed to working one-on-one with clients to develop personalized financial strategies aimed at achieving long-term goals.

Andres Angeles is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. His prior roles include positions at NYLIFE Securities, LLC, New York Life Insurance Company, and NASA United. 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, and institutions.

Eugenio Retana is a Senior Vice President and Private Wealth Advisor with Merrill Private Wealth Management. He specializes in advising ultra-high-net-worth individuals and families, focusing particularly on multi-generational families with cross-border wealth. His approach includes providing leadership, continuity, and detailed wealth management strategies that address the complexities associated with substantial and international assets. With a career in private banking spanning since 2004, Eugenio has previously worked for over 16 years at Citi Private Bank, serving the ultra-high-net-worth segment and working closely with some of the largest Latin American families. His expertise encompasses planning, investment management, capital markets, trust and estate planning services, as well as access to global banking and customized lending solutions. He and his team serve a limited number of clients to maintain a high level of personalized service and continuity across generations. Eugenio holds a bachelor's degree in finance and an MBA from Florida International University. He is a Personal Investment Advisor (PIA) and is fluent in both English and Spanish. Outside of his professional career, Eugenio spends time restoring classic cars with his father and enjoys activities such as boating, golfing, music, swimming, and spending time with his family in Miami.

Pablo Morales is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Santander Investment Securities Inc., Merrill, and Bank of America. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aline Armerique is a Financial Advisor at Merrill Lynch Wealth Management. She works with individuals and families to build financial strategies tailored to their unique circumstances and goals. Aline approaches wealth management as an ongoing relationship focused on helping clients make informed financial decisions with clarity and confidence. She collaborates closely with clients to develop and adjust comprehensive plans that evolve as their life situations change. With over 15 years of experience at Merrill, Aline has held various roles within the organization, contributing to her broad perspective in navigating financial complexity and connecting clients with appropriate resources and solutions. As a member of The Arazoza-Armerique Group, she upholds principles of integrity, accountability, and transparency in every client interaction. Aline holds the Chartered Retirement Planning Counselor (CRPC) designation and Personal Investment Advisor (PIA) credential. She received a High School Diploma from Ateneu and completed a non-accredited certificate program at Broward Community College. Fluent in English, Spanish, and Portuguese, she serves clients from diverse backgrounds, including those with international connections. Outside of work, Aline enjoys adventure sports, boating, cooking, fishing, gardening, reading, tennis, traveling, watching movies, and spending time with her family. She is also involved with several community organizations, including World Vision, Eternity and Grace Ministries Inc., Explore Foster, Convoy of Hope, and Camillus House.

Sara Ortiz is a financial advisor at Merrill in Coral Gables, FL, holding a Series 66 designation with 19 years of industry experience. She has been with Merrill Lynch since 2007. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chad Allen is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Chad earned both his Bachelor's Degree and Master of Business Administration (MBA) from the University of Miami. He applies his academic background and professional credentials to assist clients with their financial planning and investment management needs.

Juan Landivar is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 designation. His prior positions include roles at Bank of America, Morgan Stanley Smith Barney LLC, JPMorgan Chase Bank, Premia Global Advisors, and Global Investor Services. Landivar is based in Coral Gables, Florida. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Janelle Soto is a Series 66 licensed advisor with Merrill in Coral Gables, Florida, and has 12 years of industry experience. She has worked with Merrill since 2007. Outside of her advisory role, she is a general partner and managing member of Universal Essence LLC, a business involved in ventures such as selling sea moss and juiced products. 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, and institutions.

Daniel Corrigan Fine serves as an International Wealth Advisor and Vice President at Merrill Lynch Wealth Management. Since beginning his financial services career in 2013, he has specialized in building tailored wealth management strategies for global investors. Daniel's approach emphasizes listening closely to clients to develop comprehensive plans that align with their individual goals. His areas of expertise include divorce transition planning, family wealth management strategies, services for defined benefit plans, international wealth management, personal retirement planning, socially responsible and ESG investing, women and wealth, sports and entertainment, tax minimization, and retirement income. Daniel holds several professional designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from the University of Miami. Daniel is fluent in English and Spanish. Outside of his professional work, he is involved with Big Brothers Big Sisters of America. His personal interests include adventure sports, football, music, scuba diving, skiing, swimming, table tennis, tennis, traveling, and yoga.

Maria Figarola Arazoza is a Managing Director and International Wealth Advisor at Merrill Lynch Wealth Management. She joined the firm in 1987 and leads The Arazoza-Armerique Group, which includes another Financial Advisor and three Senior Registered Wealth Management Client Associates. The team focuses on delivering disciplined wealth management strategies and services to both domestic and international high net worth clients, emphasizing integrity, accountability, and transparency. Maria holds a Bachelor’s degree from Florida International University and maintains Series 3, 7, 63, and 65 FINRA registrations. She is a CERTIFIED FINANCIAL PLANNER® certificant and has earned the Certified Investment Management Analyst® (CIMA) and Certified Plan Fiduciary Advisor® (CPFA) designations. Throughout her career, she has served on several boards and committees, including the Merrill Diversity Advisory Council, the leadership team of the Women’s Exchange Miami Chapter, the Catholic Community Foundation, and the Centro Mater Foundation. She currently serves on the Archdiocese of Miami Investment Committee and the Epiphany Parish Finance Council. Maria has been featured as a financial planning expert on networks such as CNN en Español, Telemundo, Univision, Fox, and NBC 6, as well as in various print publications. She is married to Carlos Arazoza and has two daughters and three grandsons.

Francisco Gonzalez Learra is an International Wealth Advisor with Merrill Lynch Wealth Management. In his role, he provides personalized investment advice and wealth management services to a diverse client base. He holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's degree from the University of Miami.

Maria Bonelli is an International Wealth Advisor at Merrill Lynch Wealth Management, specializing in providing wealth management services to a select group of wealthy families. Her practice emphasizes personal client service combined with long-term investment planning, focusing on understanding her clients' life goals and setting strategies to meet them. Maria's business model includes disciplined investment and risk management, fostering long-lasting relationships based on trust, integrity, and superior client service. Maria holds a Bachelor's Degree from Florida International University and a Master's Degree from the University of Miami. She has earned professional designations including Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Fluent in Spanish, Portuguese, and English, she works closely with clients to develop personalized financial strategies designed to help pursue their long-term goals. In addition to her professional work, Maria participates in community activities, volunteering with local organizations. Her personal interests include cooking, golfing, and running.