Gonzalo Bello serves as an International Wealth Advisor with Merrill Lynch Wealth Management, where he has been assisting clients since 2014. He specializes in working with business executives and entrepreneurs to develop comprehensive wealth management strategies. His approach involves analyzing a client’s overall financial picture and coordinating closely with family offices, trust professionals, and accountants to deliver tailored investment solutions. In 2018, Gonzalo earned the Senior Portfolio Advisor designation at Merrill, enabling him to manage discretionary custom investment strategies on behalf of his clients. Born in Caracas, Venezuela, Gonzalo moved to the United States in 1998. He holds a Bachelor’s degree in Political Science and International Relations from Florida International University. Gonzalo is fluent in Spanish and English and has some knowledge of Italian. His client focus areas include college education planning, family wealth management strategies, international wealth management, legacy planning, liquidity management, personal retirement planning, and portfolio management services. Additionally, he supports clients in sports and entertainment sectors. Outside of his professional work, Gonzalo follows Merrill’s tradition of community involvement by volunteering with local organizations. His personal interests include adventure sports, boating, fishing, golfing, horseback riding, hunting, skiing, soccer, tennis, and traveling. He emphasizes understanding clients’ life priorities to create personalized plans centered around their goals and aspirations.

Wilgberto Gonzalez is an International Wealth Advisor with Merrill Lynch Wealth Management. With a financial career spanning more than four decades, he specializes in college education planning, family wealth management strategies, and international wealth management. Gonzalez joined Merrill Lynch in 2000 after over 30 years in international private banking, including seven years at HSBC in Miami. Born in Cuba and a lifelong resident of the Miami area, Gonzalez has served in the US Army during the Vietnam War and has been active in the community as a member and Board of Directors participant of the Kiwanis Club of Little Havana since 1976. He holds an Associate's degree from Miami Dade College and is a Personal Investment Advisor (PIA). Gonzalez is bilingual in Spanish and English and resides in Coconut Grove with his wife and family. His personal interests include golfing, reading, and traveling.

Emily Gomez is a financial advisor at Merrill with six years of industry experience. She holds Series 63 and Series 66 registrations and has worked previously at GenTrust LLC and Morgan Stanley. 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.

Juan Caicedo is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Juan earned a Bachelor's Degree from Florida International University and completed a Master of Business Administration (MBA) at UTS.

Jose Gonzalez Jr. is an International Wealth Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 1994, working alongside his father, and has over 25 years of service within the firm. His career spans 29 years, focusing on helping clients navigate the capital equity markets and fixed income landscapes. Jose also holds the Personal Investment Advisor (PIA) professional designation. He holds a bachelor's degree in industrial engineering from Georgia Institute of Technology and an MBA from Florida International University. Prior to joining Merrill Lynch, he practiced industrial engineering with McDonnell Douglas and Coulter Electronics. Jose's expertise areas include equity compensation services, family wealth management strategies, institutional investment consulting, international wealth management, managing new wealth, portfolio management services, individual and corporate investment strategy, and tax minimization. Jose is fluent in English and Spanish. He values communication with clients and strives to understand their unique circumstances, goals, and risk tolerance to provide tailored financial strategies. Outside of his professional work, he enjoys baseball, basketball, boating, fishing, football, skiing, soccer, spending time with his family, tennis, and traveling.

Patricia Campos is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2006. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Maria Gonzalez is an International Wealth Advisor and Senior Vice President at Merrill Lynch Wealth Management. She applies a disciplined wealth management approach, focusing on a comprehensive understanding of each client's financial life to develop personalized financial strategies. Her practice emphasizes multi-generational wealth management, covering areas such as college education planning, corporate benefits, family wealth management, international wealth management, retirement income, and tax minimization. With over 43 years of experience in the financial industry, Maria holds several 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 a graduate of the Wharton Financial Advisors Leadership program and completed the Perspective 2000 program at the Wharton School of Business, as well as the Merrill Lynch Financial Consultant Program. Maria is also committed to community involvement, having served as a board member of the Girl Scouts of America. She speaks both English and Spanish and has interests in cooking, spending time with her family, and traveling.

Roberto Alvarez is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2013 and Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Joshua Aguirre is a financial advisor at Merrill Lynch Wealth Management based in Miami. He works with business owners and high-net-worth individuals, helping them navigate complex financial decisions. Joshua takes a personalized, relationship-driven approach to understand each client's goals and delivers tailored strategies across investments, banking, and long-term planning through the Merrill and Bank of America platform. His areas of expertise include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, and tax minimization. Joshua holds a Bachelor of Business Administration in Finance from the University of Houston and holds professional designations such as Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). Joshua is involved with professional organizations including Blood Cancer United, Children of Fallen Patriots Foundation, and United Way Miami. He is bilingual in Spanish and English. Outside of work, his interests include boating, cooking, hiking, music, scuba diving, soccer, spending time with family, and traveling.

Manuel Escobio is a Private Wealth Advisor with Merrill Private Wealth Management. He joined Merrill Lynch Wealth Management in 2007 and has since attained the titles of Managing Director and International Private Wealth Advisor. Manuel is part of Merrill Private Wealth Management, an elite group serving the firm's most affluent clients. Prior to joining Merrill, he worked as Vice President and Country Manager for the offshore private banking division of Banco Bilbao Vizcaya Argentaria (BBVA), overseeing teams and operations across Mexico, Central America, the Caribbean, and the Andean Region. He also served on BBVA's management, investment strategy, and credit committees and led the integration of Bancomer's offshore private banking business into BBVA's platform following its privatization. Manuel began his career advising private clients with Morgan Stanley. Manuel holds a Bachelor of Science degree in Business Administration with a major in Finance from the University of Florida, where he graduated on the Dean's List, and an MBA from the University of Miami with specializations in Finance and International Business. He is a Certified Investment Management Analyst® (CIMA®) designee and holds Series 7, 31, 63, 65, and 66 FINRA registrations. He advises clients on areas including college education planning, executive compensation, family wealth management strategies, international wealth management, managing new wealth, portfolio management services, women and wealth, and sports and entertainment. Beyond his professional commitments, Manuel is involved in community organizations such as Cradles and the Foundation for Human Rights in Cuba. He serves as the director of South Florida's largest youth soccer club, Co-Ed Pinecrest Premier. He is married to Carolina de Cespedes Escobio, a pediatrician, and together they are raising their three daughters.

Michelle Fries is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2014. 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, and institutional investors, with portfolio implementation tailored to various strategies and investor tax sensitivities.

Andrew Wilson is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2011. Outside of his advisory role, he is a co-owner of a family-managed rental property in Biscayne Park, Florida. 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.

Nicole Esquenazi is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Bank of America, Merrill, Merrill Lynch, JP Morgan, and Sushi Maki. Esquenazi also has a background of employment at the University of Miami. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies managed by internal teams and third-party style managers for individuals, high-net-worth clients, and various institutional investors.

Helmis Alvarez Cardenas is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, N.A., Miami Dade College, and Accessory Express 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 and profit-sharing plans, corporations, and charitable organizations.

Daiane Da Silva Santos is a financial advisor with Merrill, holding a Series 66 credential and beginning her advisory career in 2026. She has prior experience at BB Americas Bank, Banco BTG Pactual S.A, and Santander Bank Brazil. 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 clients including individuals, high-net-worth clients, and institutions.

Corey Daniels is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides clients with access to the investment resources of Merrill and the banking convenience of Bank of America to address various aspects of their financial lives. Corey works closely with clients to identify their primary goals and needs, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning, crafting financial strategies designed to help pursue desired outcomes and manage wealth for current and future generations. Corey began his financial services career in 2013 with Lee, Nolan, and Koroghlian, LLC in Manhattan and was recognized by Massachusetts Mutual Life Insurance Company as a rising leader. He holds a Bachelor of Science degree in Finance from the Kelley School of Business at Indiana University and holds the Professional Investment Advisor (PIA) designation. An active leader in the community, Corey supports a number of charitable organizations, including the Greater Miami Jewish Federation and UJA Federation. His personal interests include traveling, scuba diving, spending time with family, and following sports such as football.

Susan Matos is an International Wealth Advisor with Merrill Lynch Wealth Management. She joined Merrill in 2008, bringing extensive experience from previous roles at UBS Private Wealth Management and Goldman Sachs private client division, where she focused on serving ultra high net worth individuals. Earlier in her career, Susan worked at Prudential Securities in both New York and Miami. She holds a Bachelor of Science degree in management and international business from Florida International University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Susan and her team prioritize close client relationships and a proactive approach to financial planning. They stay informed about the latest strategies, regulatory changes, tax laws, and market conditions to provide clients with customized investment guidance and sophisticated financial strategies tailored to individual needs. Fluent in English and Spanish, Susan works with affluent individuals, families, corporate executives, and business owners to help them pursue their financial goals. In addition to her professional work, Susan is active in both local and international communities. She volunteers monthly with various organizations focused on supporting women, girls, and victims of hardship and serves on the boards of several nonprofit organizations. Her personal interests include fishing, sailing, camping, and cooking with her daughter Isabella, with whom she also participates in service projects.

Juan Pablo Duque is a Financial Advisor at Merrill Lynch Wealth Management, a position he has held since 2021. He has previous experience working for financial institutions including HSBC and Banco Santander. Juan Pablo specializes in areas such as investments, portfolio structuring, financing structures, and commercial and corporate banking. He has been involved in the global wealth management industry since 2014, initially arriving in Miami from Brazil and working extensively with leading international families. Throughout his career, Juan Pablo has developed expertise in family wealth management strategies, international wealth management, liquidity management, and portfolio management services. He holds Series 7, 63, and 65 FINRA registrations and the Personal Investment Advisor (PIA) designation. He is fluent in English, Spanish, and Portuguese. Juan Pablo completed his high school education at Colegio Franciscano San Luis Rey and earned a bachelor's degree from Universidad Sergio Arboleda. He also holds an accredited certificate from the University of Miami and a non-accredited certificate from Banco Santander. Outside of work, his interests include biking, golfing, reading, soccer, spending time with family, and traveling.

Raquel Vargas is a financial advisor at Merrill in Miami, FL, holding Series 63 and Series 66 registrations with 25 years of industry experience. She has been with Merrill Lynch since 2008. Outside of her advisory role, she is a co-owner of a family rental property in Doral, 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alfonso Juliao is an International Wealth Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2012 as a Financial Advisor and became accredited as an International Wealth Advisor in 2017. Alfonso focuses on investment analysis and wealth management, serving both international and domestic clients. He holds a Bachelor’s Degree in Business from the University of Miami and a Master’s Degree in Finance from Pace University. Alfonso also holds Series 7 and 66 FINRA registrations and the Professional Investment Advisor (PIA) designation. Alfonso was born in Miami, Florida, and currently lives in the Brickell neighborhood. Outside of work, he enjoys spending time with his two dogs and playing tennis with friends.