Ria Ramnanan is a Series 66-registered financial advisor with Merrill in Miami, FL, with 18 years of industry experience. She has been with Merrill Lynch since 2006. Outside of her advisory role, she is a passive owner of Explore Adventures Corp, a for-profit business based in Aventura, FL. 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 individual, high-net-worth, and institutional clients, utilizing internal and third-party managers with a range of portfolio implementation options.

Gabriel Sanchez is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at several firms including Bank of America, J.P. Morgan Securities, and Ameriprise. Outside of finance, he was involved in the restaurant industry for five years, operating Islas Canarias Grill & Bakery and Finka Table & Tap. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering various managed account programs, discretionary portfolio management, and brokerage services. The firm integrates closely with Bank of America affiliates and emphasizes manager selection, tax-efficient strategies, and capital-markets capabilities.

Leonel Vivas Martinez is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies tailored to their unique goals, priorities, and long-term objectives. Leonel emphasizes understanding the complete picture of a client's life to create coordinated and adaptable financial plans. His areas of expertise include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Leonel holds a Bachelor's Degree from Barry University and the designation of Personal Investment Advisor (PIA). He provides services in both English and Spanish. Outside of his professional role, Leonel enjoys golfing, running, and tennis.

Juan Herrans Barreras is an International Private Wealth Manager with Merrill Private Wealth Management. He provides investment consulting services to families and institutional clients, focusing on aligning financial strategies with clients’ missions and fiduciary responsibilities. His approach centers on understanding client needs and goals through a disciplined consulting process, enabling the development of personalized portfolios and resource allocation. Juan has over 30 years of experience in the financial industry, supported by a master's degree from the University of California system and a bachelor's degree from the Georgia Institute of Technology. He holds the Certified Investment Management Analyst® (CIMA®) designation and serves as a Merrill Institutional Consultant. Juan is fluent in both Spanish and English. He is actively engaged in community and nonprofit organizations, having held positions on boards and advisory committees. His civic involvement includes participation with ABRE Puerto Rico, the Center for Integrity in Public Policy, and the Jose Jaime Pierluisi Foundation.

Ricardo Vazquez is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2010 and specializes in serving endowments and institutions as a Merrill Institutional Consultant. His professional focus includes developing equity and fixed income strategies, asset allocations, and providing various financial services. Ricardo possesses over 20 years of experience in the financial industry. He holds the Certified Investment Management Analyst® (CIMA®) designation, as well as the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) certifications. Ricardo earned his bachelor's degree from Harvard University and a master's degree from Indiana University/Purdue University at Indianapolis. Outside of his professional work, Ricardo is dedicated to assisting high school students in defining their post-graduation goals and guiding them through this transition. He also has interests in history and genealogy. He is fluent in both Spanish and English.

Samantha Foglia is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nelia Cruz Guzman is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 65 designations and has been with Merrill since 2012. 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, and charitable organizations.

Ron Bensadon is an International Wealth Advisor and Managing Director at Merrill Lynch Wealth Management, where he is the founder of the Bensadon Wealth Management Group. He began his career as an Investment Analyst at Morgan Stanley Private Wealth Management before joining Merrill Lynch in 2016. Ron works with ultra-high net worth individuals, families, businesses, and philanthropic enterprises. His areas of expertise include integrated wealth management services such as asset allocation modeling, customized lending through Bank of America, alternative investments, and personalized wealth planning designed to assist multiple generations in growing, preserving, and transferring their wealth. Ron is a CERTIFIED FINANCIAL PLANNER® professional, a designation awarded by the Certified Financial Planner Board of Standards Inc. He graduated cum laude with a bachelor's degree in finance and entrepreneurship from Babson College in Massachusetts. Originally from Barcelona, Spain, Ron is fluent in English, Spanish, and French, and conversational in Italian and Hebrew. He participates in community philanthropy, notably serving on the Education Committee for the Greater Miami Jewish Federation International division, and is involved with the Rickshaw Dispatch Project in Guwahati, India. Ron currently resides in Aventura, Florida with his wife and two children.

Ana Maria Czachor is an International Wealth Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 1996, working with a selective group of high net worth individuals and their businesses in the United States and internationally. Her expertise includes portfolio diversification across equities, fixed income, cash management instruments, private equity, and hedge funds, as well as liquidity management and tax minimization strategies. Ana Maria obtained both her bachelor's and master's degrees from Southern Illinois University. She holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is bilingual in English and Spanish. Born and raised in Medellin, Colombia, Ana Maria's personal experiences shaped her commitment to educating clients about wealth management and financial independence. She is actively involved in community volunteering and enjoys activities such as adventure sports, cooking, dancing, ice skating, reading, tennis, watching movies, and yoga. She also values spending time with her daughter and dog.

Jose Carreras is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and previously worked at Beta Capital Securities LLC and Deloitte. Carreras is based in Miami, FL. 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 plans, corporations, and charitable organizations.

Sofya Preobrazhenskaya is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Her prior work includes roles at UBS Financial Services, Wilson Sporting Goods Co, Madewell, and several educational institutions. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Hector Gonzalez serves as an International Wealth Advisor at Merrill Lynch Wealth Management. He holds the Chartered Financial Analyst (CFA) designation and has experience as a Merrill Institutional Consultant. Hector is also recognized as a Senior Vice President in his role. He earned his bachelor's degree from the University of Puerto Rico System. Hector is proficient in both Spanish and English, enabling him to serve a diverse clientele. His expertise encompasses various facets of wealth advisory services. Outside of his professional responsibilities, Hector is involved in community organizations such as Asesores Financieros Comunitarios, Fundación Rimas, and Liga de Arte de San Juan.

Adam Rosenfeld is a Private Wealth Advisor with Merrill Private Wealth Management. He began his career in the financial services industry in 2000 and spent ten years at Morgan Stanley before joining Merrill in 2011. Adam manages his practice in a manner similar to a multi-family office, delivering customized services to a select group of ultra-high-net-worth individuals, families, and businesses. His role encompasses providing daily guidance on asset management, family and estate planning, and facilitating access to banking services through Bank of America. Adam has been nationally recognized, ranked among the top financial advisors under 40 by On Wall Street from 2016 to 2018, and listed as one of America’s top 1200 advisors by Barron’s from 2016 through 2022. Adam holds a Bachelor's Degree from the University of Miami and has earned the designation of Personal Investment Advisor (PIA). Outside of his professional commitments, he serves on the Board at Mount Sinai Hospital and the Galbut Family Miami Beach Jewish Community Center, contributing to his local community.

John Shupenko is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on creating personalized wealth management strategies that align with clients’ individual financial goals and adapt to changing market conditions. John provides access to Merrill’s investment insights as well as Bank of America’s banking and lending solutions to support his clients’ comprehensive financial needs. John holds the Professional Investment Advisor (PIA) designation and has earned a Bachelor’s degree from Michigan State University and a Master’s degree from Nova Southeastern University. He also follows Merrill’s tradition of community involvement and spends time volunteering with local organizations.

Juliannys Acevedo Cuadrado is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and having 10 years of industry experience. She has been with Merrill since 2015. 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 a range of individual and institutional clients.

Andres Lewowicz is an International Private Wealth Manager at Merrill Lynch Wealth Management, where he works within Merrill Private Wealth Management. He joined Merrill in 2010 after more than a decade of experience in the financial services industry. Andres focuses on assisting clients with sophisticated wealth management needs and develops diversified investment strategies that may include alternative investments when appropriate. He holds the Chartered Financial Analyst (CFA) and Certified Investment Management Analyst (CIMA) designations. Andres earned a Bachelor's degree in Accounting from the University of Puerto Rico, Rio Piedras, and completed an MBA in Finance at New York University. Prior to his current role, he worked as an auditor for Deloitte & Touche and is also a Certified Public Accountant (CPA). In his present position, he does not provide legal or tax advice.

Michael Romanchuk is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he joined in 2005. He specializes in serving ultra-high-net-worth individuals and families with a focus on multi-generational wealth planning, investment management, and tailored portfolio strategies. Michael also provides guidance to business owners on 401(k) plans, assists corporate executives with managing concentrated stock positions, and advises on the implementation of Rule 10b5-1 trading plans. Before transitioning to wealth management, Michael began his career as an equities trader at the Chicago Mercantile Exchange. He earned a Bachelor's degree in Finance from Michigan State University in 2004. Michael holds professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has been recognized in multiple industry rankings such as Barron's "America's Top 1,500 Financial Advisors," Forbes | SHOOK® "Best-in-State Wealth Advisors," and Financial Planning's "Top 40 Advisors Under 40." A native of Chicago, Michael resides in Miami Beach, Florida. He has served on the board of the United Way Young Leaders Executive Committee and is involved with organizations like Junior Achievers Miami. Outside of his professional commitments, he enjoys cooking, traveling, and spending time with his family.