Roberto Fernandez is an International Wealth Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, investment consulting for defined contribution plans, and international wealth management. He has served in this capacity since 2007 and has over 22 years of experience in the wealth management business, following a prior career in finance and accounting. Roberto’s professional background includes a Certified Public Accountant license obtained in 1984 and extensive experience as Comptroller, CFO, and Treasury Manager in various financial institutions. He began his wealth management career in 2002 at Smith Barney/Citigroup before joining Merrill. Roberto holds several designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Science degree in Finance and Accounting from the University of Puerto Rico, Rio Piedras. Roberto is fluent in Spanish and English. In his practice, Roberto emphasizes understanding clients' life priorities and creating personalized strategies that address the financial well-being of business owners, individuals, and families. He views wealth management as a comprehensive process involving collaboration on what matters most to clients while navigating life’s financial complexities. Outside of work, his interests include boating, fishing, golfing, music, and pickleball.