Gustavo Carvajal is an International Wealth Advisor and Managing Director with Merrill Lynch Wealth Management, where he has been serving since 1999. He is a key point of contact for the multinational, multigenerational families advised by The Carvajal-Lipkowitz Group, providing guidance focused on long-term continuity. Gustavo leads various initiatives within the team and regularly travels globally to meet clients in person. He also advises other professionals within the firm and the wider industry. Gustavo's expertise includes college education planning, family wealth management strategies, international wealth management, legacy planning, LGBT wealth planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, women and wealth, and tax minimization. The Carvajal-Lipkowitz Group specializes in trust and estate planning services, financial planning, investment management, and banking and credit through Bank of America. He earned a Bachelor of Arts degree in Business Administration with a major in Management from Florida International University. Gustavo holds the Personal Investment Advisor (PIA) designation and is proficient in both English and Spanish. Outside of his professional role, his personal interests include adventure sports, running marathons, scuba diving, skiing, skydiving, swimming, table tennis, and traveling. He participates in various sports events and raises funds for multiple foundations annually.

Terrell Cowvins is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. He has been with Merrill since 2019 and previously worked at Best Buy. Cowvins also has an ongoing role at Broward 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adam Uhlan is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in the financial services industry. He joined Merrill Lynch in 1989 and focuses on providing personalized wealth management solutions tailored to clients' unique financial needs. His core areas of expertise include managed money services, retirement planning and 401(k) services, asset preservation strategies, life insurance analysis and funding, wealth preservation and transfer services, as well as personal financing, custom lending solutions, corporate cash management, and treasury services through Bank of America. Adam holds a Bachelor of Arts degree in Anthropology and History from the State University of New York at Stony Brook. He earned his CERTIFIED FINANCIAL PLANNER™ (CFP®) certification in 1998, the Chartered Retirement Planning Counselor™ (CRPC®) designation in 2008, and the Certified Plan Fiduciary Advisor® (CPFA®) designation in 2018. He is also a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Adam is a longstanding member of the Greater Fort Lauderdale Alliance, Broward County's official economic development partnership, reflecting his involvement in the local business community. Outside of his professional work, Adam enjoys biking, boating, cooking, hiking, music, reading, singing, traveling, writing, and spending time with his family.

Christopher Costa is a Financial Advisor with Merrill Lynch Wealth Management. In his current role, he focuses on understanding his clients' individual goals and priorities, providing tailored advice to assist them in pursuing their financial objectives. His expertise spans areas including general investing, retirement planning, and saving for unexpected events. Christopher holds a Personal Investment Advisor (PIA) designation and has completed a Master's Degree at LaSalle University, along with a Bachelor's Degree from the Pennsylvania State University System. He is fluent in both English and Spanish, enabling him to communicate effectively with a diverse client base. Committed to building lasting client relationships, Christopher emphasizes ongoing dialogue to address evolving needs, concerns, and questions, offering continuous guidance throughout his clients' financial journeys.

Adam Fass is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2014 and leads an experienced team focused on helping individuals and families achieve their short-term and long-term financial goals through a disciplined approach to wealth planning. Adam's responsibilities include business development, relationship management, and tailoring portfolios to meet clients' specific objectives. Adam holds a Bachelor's degree from Florida Atlantic University where he studied International Business & Trade and Finance. He also holds several professional designations including Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Prior to his career in wealth management, Adam played professional tennis internationally and coached professional players. He serves business owners, executives, professionals, individuals near or in retirement, and multi-generational families by leveraging Merrill Lynch's resources, including estate planning, retirement income strategies, alternative investments, and customized lending. Adam is active in the community through organizations such as the American Heart Association and the Cystic Fibrosis Foundation. In his free time, he enjoys golfing, skiing, tennis, traveling, and spending time with his family.

Rafael Gutierrez Rodriguez is a financial advisor at Merrill, holding a Series 66 designation with no industry experience to date. His prior work includes roles at Bank of America and other varied positions outside the financial sector. 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 institutional investors.

Maria Azzolin is a Financial Advisor with Merrill Lynch Wealth Management, where she works with families and business owners to guide their financial decisions. She helps clients create personalized roadmaps for their financial futures, navigate life's transitions, and stay on track toward achieving secure and fulfilling retirements. Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, sports and entertainment, and individual and corporate investment strategy. Maria has more than a decade of experience in the financial services industry, including roles in private equity, hedge fund operations, and commercial finance. Before joining Merrill, she also built a career as a professional pianist and developed an online community of over 100,000 people across multiple platforms. She brings a unique perspective to her advisory role, combining her financial expertise with her passion for listening and connecting with people during significant life events. Maria holds a Bachelor's Degree from the State University of New York and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish. Outside of her professional work, Maria has been involved with the Starlight Children's Foundation in 2019 and 2020. She resides in Boca Raton and is a mother, drawing on her personal experiences to relate to and support her clients.

Glenn Fuller is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 65 credentials and 59 years of industry experience. He has been with Merrill for over 35 years and has worked at Bank of America since 2011. Outside of his advisory work, Fuller serves as a committee member for FINRA and is involved with the New York Yacht Club Cruising Committee. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Michael Fernon is a financial advisor with Merrill, holding a Series 66 designation and 22 years of industry experience. He has worked at Merrill since 2004 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Michelle Reid is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes multiple tenures at Merrill, as well as roles at Wells Fargo Clearing, Banc of America Investment Services, Inc., and Morgan Stanley DW 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 individuals, high-net-worth clients, and institutional investors.

Daelle Guirand is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Their prior work includes roles at Bentley University and KPMG. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Bernal is an International Wealth Advisor with Merrill Lynch Wealth Management, where he has worked since 2008. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation, in addition to being a Personal Investment Advisor (PIA). Christopher earned his Bachelor's degree in Political Science and Psychology from the University of Houston Honors College. Drawing upon his certifications and extensive experience, Christopher works closely with clients to develop tailored wealth management strategies spanning multiple disciplines. His approach involves gaining a thorough understanding of each client's unique circumstances, including personal history, family dynamics, motivations, and goals. He applies his expertise in investment management, cash management, retirement strategy, trust and estate planning, and banking services through Bank of America to design customized financial plans. Christopher collaborates with clients' other professional advisors to consider the potential impact of current tax regulations on their financial situations. Christopher resides in Hollywood, Florida with his wife and children. Outside of his professional practice, he enjoys spending time with his family, camping, fishing, cooking, golfing, and playing tennis.

Nicole Freites is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been working since 2007. She specializes in assisting individuals and families with various aspects of wealth management, including family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Nicole brings over 15 years of experience to her role, focusing on providing personalized and relationship-driven financial guidance. Nicole holds a bachelor's degree in finance from Florida International University and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish. Throughout her career, she has been recognized for her expertise and leadership, being named to the 2025 and 2026 Forbes "Top Women Wealth Advisors Best-In-State" list. She also serves in leadership roles within professional organizations such as the HOLA Hispanic Organization for Leadership & Advancement and the Next Gen Leadership Council. Outside of her professional work, Nicole resides in Weston with her husband and their three daughters. She volunteers in the community, including involvement with Broward County Public Schools and the Jason Taylor Foundation. Her personal interests include music, traveling, exercising, and spending time with her family, as well as watching her daughters play soccer.

Ligia Di Nallo is an International Wealth Advisor with Merrill Lynch Wealth Management. She began her career in financial services in 2008 at Bank of America and joined Merrill Lynch in 2014 as a Financial Advisor. Ligia works with both domestic and international clients, focusing on developing deep personal relationships to understand their holistic goals and needs beyond investments. She brings expertise in areas such as family wealth management strategies, international wealth management, retirement planning, and socially responsible investing. Ligia collaborates with multiple generations of families to create cohesive, personalized financial plans designed to achieve their personal and professional objectives. She holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and the Personal Investment Advisor (PIA) credential. Ligia earned her bachelor's degree from Florida International University and is fluent in English, Spanish, and Portuguese. Originally from Brazil and having spent much of her childhood in Venezuela, Ligia is equipped to address the needs of global families. She is committed to providing a high level of client care and service, and she participates in community volunteer activities. Her personal interests include cooking, hiking, music, traveling, and watching movies.

Shannon Martin is a Wealth Management Advisor at Merrill Lynch Wealth Management with a financial services career that began in 2002. She initially focused on large group retirement plans for nonprofit organizations at AIG Valic, transitioned to Banc of America Investment Services, Inc. in 2006, and joined Merrill Lynch Wealth Management in 2009. Shannon holds the Chartered Financial Consultant® (ChFC®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. As a specially qualified Senior Portfolio Advisor, Shannon develops customized portfolios tailored to meet her clients' specific financial needs. She combines her comprehensive banking and investment experience to assist clients in managing both sides of their balance sheets and to pursue their financial objectives through a range of investment strategies, including discretionary management within Merrill model portfolios and third-party investment options. Shannon attended the University of Central Florida and holds a high school diploma from Bishop Moore High School. Outside of her professional work, she enjoys hiking, reading, traveling, and spending time with her family.

Tara Mirjah is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Merrill Lynch, Pierce, Fenner & Smith Incorporated. 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 supported by internal Chief Investment Office teams and third-party managers, serving a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Carlson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with affluent individuals and business owners to plan for and achieve their financial priorities by providing comprehensive guidance tailored to each client's goals. James offers access to Merrill’s investment insights along with banking, lending, trust, and fiduciary services through Bank of America, aiming to design, implement, and track customized wealth management strategies. James holds a Bachelor's Degree from Florida State University and has earned the Personal Investment Advisor (PIA) designation. His expertise encompasses areas such as college education planning, family wealth management strategies, liquidity management, retirement planning, portfolio management, small business strategies, and tax minimization. Outside of his professional role, James enjoys golfing, skiing, spending time with his family, and traveling.

Nicklaus Palmesano is a Team Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized wealth management strategies, focusing on family wealth management, legacy planning, and managing new wealth. Nick prioritizes understanding each client's individual risk tolerance, liquidity needs, goals, and time horizon to deliver tailored financial solutions. Nick began his career at Merrill in 2024, bringing with him two years of prior experience from a Baltimore-based asset management firm where he focused on investment manager analysis and client education. In his current role, he supports client acquisition, proactive service, and investment manager selection. Originally from Parkland, Florida, Nick remains actively involved with his high school alma mater, St. Thomas Aquinas, particularly within the athletics department. Nick earned a Bachelor of Science degree in Finance from Loyola University Maryland's Sellinger School of Business, where he was selected to manage the school's endowment fund. He holds the Personal Investment Advisor (PIA) designation and is a member of the Society Loyola Old Boys. Outside of work, Nick enjoys golfing, spearfishing, skiing, as well as adventure sports such as boating, cooking, fishing, scuba diving, and surfing.

Garland Rodriguez is a financial advisor with Merrill in Fort Lauderdale, FL. He holds a Series 66 designation and has 9 years of industry experience. He has been with Merrill and Bank of America since 2017. 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.

Abraham Cardenas is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving since 2002. Prior to his current role, he held positions including Portfolio Analyst, Associate Portfolio Manager (Investments), and Wealth Strategies Analyst at Bank of America Private Bank (formerly US Trust). He is a Certified Private Wealth Advisor® professional, specializing in guiding sophisticated clients through the complexities of accumulating, preserving, and enhancing substantial wealth. Abe's professional focus encompasses areas such as education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, LGBT wealth planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. He believes that managing wealth is a professional discipline, reflected in his career-long dedication and educational background. He holds a Bachelor of Business Administration in Trust and Investment Management and a Master of Business Administration from Campbell University's Lundy-Fetterman School of Business. Additionally, he completed executive education at the University of Chicago Booth School of Business in the Certified Private Wealth Advisor® program. Abe is bilingual in Spanish and English and currently resides in Coral Springs with his wife and three daughters.